These scores are becoming even more important to us as consumers over time. For example, most insurance companies also check your score when you apply for car or home insurance. If your score is too low they might not even offer you insurance or they may offer it to you with higher premiums.

Many companies will also check your credit when you apply for a job. They look at how well you handle your personal finances as an indicator of how well you will take care of your professional responsibilities.

With so much at stake with your credit score it makes sense to know what your score is. TrimYourDebt.com has negotiated with credit bureaus to offer consumers a free look at their credit report and credit score. It is a 30-day free trial offer, so you get information right up-front and you can cancel free of charge within 30-days. To check your credit score for free, visit http://www.TrimYourDebt.com/GetYourCreditScore.aspx?src=art to find out now.

3. When evaluating different lender offers, in mortgage loan pre-approval process, pay closest attention to interest rates they are offering & closing costs. These are two biggest factors that will help you figure out which lender is right for you. If one of these two factors is too high, it could offset benefit of refinancing for you.

4. Get your interest rate and closing costs in writing as soon as you decide on a lender to work with. Get your lender to give you a commitment in advance of all of costs that will be involved with your loan. Find out if refinance loan you are getting has a pre-payment penalty as well. Sometimes lenders will leave out important information like this, if they think it might scare you away from refinancing with them.

To view a list of highly recommended refinance mortgage lenders, most of which will not pull your credit in initial application, visit this page: Recommended Refinance Mortgage Loans