650 for HELOC or 2nd or both. A HELOC reports as resolving under 50k, although I remember some people saying that TU may report it as installment. Do a search on here for HELOC to be sure, but I thought one of the CRAs reported it different. A 2nd might be a better interest rate, but you don't have the LOC convenience.
EX. 780 TU 794.