Does drawing from a HELOC affect your credit usage?

[Jacob D.]

I understand a HELOC will appear on your credit, but does it affect your credit USAGE? For instance when I setup a HELOC, they pull my credit and that impacts my score. If I already have 100k available in credit (from credit cards alone) and my current usage is 0%, will the HELOC INCREASE my "available credit" to 100k + HELOC amount? If I draw my entire HELOC balance, will it increase my usage (which will then hurt my credit score)?

[Kerry Baird]

@Jacob D. Yes. Yes, utilization affects your DTI.

[Jon A.]

I don't think it affects your credit score because a heloc is not an "unsecured" revolving line of credit like a credit card. It is secured by your house. But as @Kerry Baird suggests it does affect your dti which could hinder your loan applications. At least, that is my understanding.