Nicholas Lohr Lines of credit from my properties.

I can provide bank statements (both in the US and Internationally), proof of pay from Foreign company, and have a high credit score. 

I'm trying to run a potentials credit.

We've tried everything, and due to her credit history, she can't find anything affordable. 

Is there somewhere I can report her payments to to help her credit score?

I'm reluctant to do a refi since I have great rates locked in and I'm not 100% sure when I will need access to the credit lines from the HELOC, plus I'd rather avoid increasing my payments until I need the money.

I have tried a few of the local credit unions and smaller institutions to no avail (15 and 20 yrs are most common).

Even borrowing from a Hard money loner would still affect my ability to get a personal mortgage since they will pull my credit.

I hope this isn’t a dumb question, but when comparing rates and terms for HELOCs from different banks, is it possible to provide my income/current expenses/credit score or SSN to run a credit check and estimated home value to different banks and get a good faith estimate of what the rate would be without having to apply first, since, from what I understand, I can’t apply at more than one bank at a time because it would be considered mortgage fraud.

I have a house which I bought on a line of credit (low interest rate, but tied to LIBOR).