USAA Savings Mortgage Complaint

USAA Savings Mortgage department,

Home equity loan or line of credit Loan modification,collection,foreclosure California

I have a home equity line of credit with USAA in the amount of -. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having - in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of - %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.