All the big banks I called first gave me the same answer you got but one finally referred me to this small local bank I had honestly forgotten all about and they were more than happy to do a HELOC with us.

Either way, after 6 years, people have forgotten about it. 

Hello everyone, so I took the prelicensing courses for the broker exam many years ago, but by now have forgotten virtually everything.

Travel, not having your password list with you, a forgotten laptop and family obligations help create huge windows of time for thieves to charge and charge and charge, uncontested.

First thought that comes to my mind is that I must have forgotten to register the deed when we were given the house by my mother.

It’s often forgotten.

This detail can't be shaken off or forgotten.

I had forgotten about the guideline to pay no more for a note than what you could resell the home for (quickly) in the event of default. 

It’s not like a repair cost that was just forgotten about.

You just need people that are a few steps ahead of you.And oftentimes, while a lot of really successful people want to mentor newbies, they're often so far ahead that they've forgotten what it was like when they started.