They go into your working files to see if you're a good credit risk or bad.

the rock home loans mortgage calculator with tax consolidation mortgages
A home impartiality mortgage can be used for debt, will also be tax deductible.
This offer variable interest that are always that credit cards because your loan is secured.
While refinancing may not save you much money, the opportunity to improve lending conditions, and weigh the potential benefits of debt consolidation, it is probably worth considering.
There are many debt management services with banks and available online where people can get help on how to get out of bad debts and restore their financial situation.
Another option is to use your refinance to shorten the inputs and outputs of your payments, entering by chance 5 yonks out of your term.