Credit score mortgage rates are standard. The interest rates paid by someone with a high credit score is going to be much lower than the rates paid by someone with a low score. It is not just the mortgage companies and banks that do this, but many retailers as well. There is a lot that is determined by someone's credit score including where they get to live or if they can get utilities turned on in their name. If a person needs to refinance a mortgage and they have a bad credit score, things won't go so well. There are times that people with poor credit can consolidate but the lower the credit score, the less chance of this happening. There are many people now who are trying to refinance or consolidate their bills. Less and less are successful because of their credit scores. If someone finds themselves in this situation, the best thing to do is to talk to a consumer credit counselor (make sure it is one that is legitimate) or an attorney. Find out what the options are. Credit scores can change and that can happen legally. It is best to find out the facts and find out what your options are.