The only real concern is if you have a LOC and for a fair period (say 12 months) you didnt make any payments down into the line of credit, but did increase (use it)..this can cause a red flag and your account may very well be audited and re-evaluated or asked to have the LOC amount reduced as no payment are / have been made for a period of time.
As for valuation for a fixed period, in or out, never heard of this before.
