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Vanyel wrote:I think I'll have to respectfully disagree with Midnight on this. (Most unusual since there is very little posted here by him that I have found that I disagree with)I think the higher credit line will help you more for a couple of reasons.1. On a credit review lower credit lines look like what they are, rebuilders.2. When/if FICO08 comes out your going to loose that history you just gained, and it's weighed far less than util.3. In the meantime, the 8 year history is going to hurt you since your credit file is very thin at the moment and you will most certainly be in a different scoring bucket comparing yourself to others with long history. (And with a thin file that will most certainly hurt you much more than the small increase due to age)Just my 2 coppers worth.Van