Not sure this is in the right section but I know SGC does reduce grade for each and is maybe harder on MC. On the OC it really depends on how OC, if its very bad OC then it will not matter card will sell for a lot less regardless, on a slightly OC with everything else perfect I would send to SGC and hope for a 7-8.
I would just post a pic and we will be able to tell you better.
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