When the old tl closed out and the heloc started reporting, my score went down 23 points. Reason? "too high of revolving balances" Hmmm...AGF is reporting the heloc as a revolving tl, not a mortgage. Even though the loan is secured by my home, the interest is tax-deductible, and I have no remaining equity to pull out. Plus the payment is fixed, and the loan has a starting and ending point. The 3 local/regional guys I went up the ladder discussing this with were no help whatsoever. I PFBd AGF 2 weeks ago and have gotten no response. So does anyone have a corporate contact they would be willing to share? Thanks for reading the long post.