My lender reports my HELOC as revolving credit. These are maxed because I borrowed as 80/10 and always meant to use the $ just like a 2nd Mortgage. The credit agencies report that I have zero balances on about $30,000 of credit card limits, but my $68,000 of 2nd mortgage HELOCs make for excessive revolving debt. Huh? How do I change the way that is reported?