FICO Suggestions

[Sagnik Lahiri]

My lowest FICO has sunk to 612 due to my first rehab and subsequent use of the HELOC($50k) to do the renovations. As I'm trying to REFI, I've been told my experian FICO is 620. My heloc balance is down to 46k. All banks that I've gone to have used the Experian score.

Any suggestions on how to raise my FICO? Should I beg/borrow/steal to pay off the HELOC balance to less than 50% of the limit?

I have no other debts or collections on my credit report.

Any guidance would be greatly appreciated.

As always, thanks in advance for your time.