Will this help my credit?

That would help since lines of credit are just like any other revolving credit account when you max them out your credit score takes a huge hit. But you would still be at 50% usage which is way to high.

You would be better off to pay down your existing line to below $900.00 which would bring your usage down to less then 30% which is where you need to be.

Either way good luck.

The short answer is that it will help your credit to have the line increased. You currently have this account 100% utilized and doubling the line lowers that utilization to 50%. Ideally you should also pay down the line so that the utilization ratio falls below 30%.

The follow up question that you might be thinking is how much will it help? The answer to that is that it depends. If the this fixed line of credit is being reported as an installment account, then lowering the utilization helps a relatively small amount. You'll see a bigger pop if it is being reported as an installment account. In the FICO formula, utilization accounts for 30% percent of the overall score.

if your are making "good money" why not just pay the $3000 down so it is not "maxed out"? There is no reason to get an increase, you will run the risk of maxing it out again. If what you say is correct just pay it down and have the same AVAILABLE credit as an increase.

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