The XXXX credit bureaus ( XXXX, XXXX, and experian ) are improperly reporting my home line of credit under derogatory items. XXXX XXXX XXXX put it down as " collateral depreciation '' and the credit bureaus now put it under derogatory items and it lowers my fico score so I ca n't refinance my other properties. Hence, discriminating against the millions of consumers who had their home values drop, negatively affecting their overall ability to borrower at the best rates.