FICO score staying around 560 to 599, and using your advice i paid them off all four of them,

I am trying to prepare for an upcoming mortgage rifi...but my score is about 575. I talked to someone who explained part of my problem is the simple fact that I currently have a HELOC and this is holding down my score. I was told having a HELOC automatically places me or anyone who has one into a lower score situation because the HELOC affects my revolving credit ratio, that is it isn't an installment loan. My HELOC is $25K limit, about $24K balance, so highly leveraged. My question is this: I know moving revolving debt around to another credit card doesn't help because it doesn't change the ratio, but if I convert the HELOC to an installment loan, which my creditor says is possible (even though I'm looking at $1,500 origination fee) will that improve my revolving ratio and thus my score?? In other words is it worth doing?? I'm told that installment debt ratio doesn't weigh as much as the revolving ratio.
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that's one heck of a question put that way.
i doubt it and then ????????
i could see how it might help having 50000 dollars in revolving credit with no obligations and the home equity line of credit "HELOC" down to 80% or less. I've been told that you should go for 50 and 10% for super scores. I have always said 80% percent LOWER THAN across the board on ALL loans.
Installment loans always start out at 100% percent balance BALS, to HICR high credit limit ratio.
I guess in "super perfect world" you borrow enough on this installment loan and pay it down to less than less than 80 % BALS balance to HICR high credit ration, FAST no sooner then your first payment afteer you get your installment loan book from installment loan originator.
IE: borrow 40,000 dollars $ and use part of that money to pay the installment loan down to $ 32000 dollars.

if there was any way to move all your money around so that all the balances came down to 80 % percent or less, then I would like to see what happened there, or could happen if you added it all thise numbers up.

If I used the get and installment loan thing i would try to add it up like i said first. pay down the installment loan to .80

you must realize this is a limited answer about your situation.
this is a good general answer.
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I recently go my revolving debt down from a 76% ratio to 21%. I saw my score immediately jump by 63 points at one CB. A little less at the others but still a good jump. Because my scores didn't jump more, and I was seeking answers, this is where I got the advice that my HELOC was the culprit, although technically it isn't a part of the revolving ratio I just mentioned, meaning it doesn't list as revolving on my reports, but as part of my mortgage total. It is probably the case that I just need to pay it down to the 80% you mention, which would cost me about $4K. Also, I have two relatively new student loans that I could get to 80% or so at a cost of about another $5K.

If you agree, the only question then is where to get the money. I'd have to borrow it and I would think increasing my Visas (revolving limits) would increase my 21% ratio, so my question then is would it better to get a signature (installment) loan for $9K, then come up with another $1800 in cash to get that loan down to 80%???
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your talking about borrowing no matter what
so i would borrow eough to add all the numbers up to less than 80 percent bals/hicr and if i could, i would, try to pay the smallest account to nothing NOTHIN or 10 percent or 50% percent if I coud and make the numbers work
when you go to check your credit HERE A GOOD ONE
make sure that all of you reported credit is paid up, on THAT day. no checks in the mail stuff, on company books

sometime i pay my house loan 14 days late online to move my money.
and sometime i pay my gas card a few day late because it is my smallest account
make sure everything is paid in full and the checks for this month are allready on all your creditors books.

THEN BAMM
pull your credit and let me know what happens