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A few months ago I got a Home Equity Line of Credit from my Bank for $50,000. I have not used a penny of it, I just wanted to have it in case of incredible disaster. (Yes, I have an e-fund with 3 months expenses, but I can transfer money from the HELOC online in seconds, and I like that security.)

Recently I have seen a change in the "refinance your home now" junk mail. They are counting my $50,000 HELOC as if it were a second mortgage I need to re-finance. If these junk mail places are making this assumption, is that how it is treated on my FICO scores? Did I mess up a my credit a bit by taking out the HELOC?

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