Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Priority Appraisal can help you reinstate your home equity line of credit with an expert appraisal.