Messing with my credit score

Good day.

Please explain to me how on my app it shows I'm Outstanding with the amount of R4876.95, and getting my new ITC report this morning, dropping my score with 3 points , have you any idea how long it would take to recover those point back!! saying I'm on 103 % with an amount of R4959 , being 3% over utilised and this is updated by you the Company (Your mobicredit exceeds its limit on your report) (This has a strong negative impact on your credit score) I am in utter disbelieve and totally disgusted to say the least. I have paid what was due every month, never been in arrears, so how does this happen? Russy Smith