Does a HELOC use your credit score?

[Juan David Maldonado]

I want to use a HELOC on some land I own to help finance a rental property renovation. Is the bank going to use my credit score to determine or just look at documents showing I own it?

I don't want to take one debt or it show up on my credit score if I don't have to. 
 

[Riaz Gillani]

A credit score is needed to qualify. But, remember that a HELOC is a revolving account so it does not contribute to your debt until you used the funds.

Whether or not it appears on your report will depend on the bank / lender as well as if you are vesting as yourself or as an entity. Try for the latter!