Well, I've been dreading it, knowing that it'd show up as revolving...dreading what it'll do to my score. On checking my experian score (FAKO), it dropped 32 points! It basically went against my total available credit (went from 82% available to 36% available). I was more concerned with what it would do to my EFX FICO, and when I checked that today, my score went down just ONE point to 719! Account type is "revolving" as expected, but it didn't count towards my overall ratio. I'm still 3 days away from being able to pull TU, so I'll see what that tells me. From the looks of it though, FICO is not treating the HELOC as a "credit card".. what a relief!
