I was shocked when I read Terry's posting about his Pemco experience.
Apparently the HELOC, reporting as revolving and fully utilized, caused a drop in score to "only" 720 and the loss of the highest discount. The Balance/Limit ratios should never include equity lines, but Fair Isaac couldn't care less about the absurd effects of their scoring fraudware.
I'll greatly appreciate any insurance decline or rate increase notices due to credit scoring faxed to 571-222-1000 or e-mailed to christine@bayhouse.com.