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From Cellbe

When you say it's too low to refinance, I asumse you are referring to your credit score, and not your liquor supply.The whole purpose of credit scoring is to allow banks etc. to decide on who is or is not a good credit risk. If your score is too low, then I asumse there is a reason for that.And if I'm right to this point, then inability to refinance is the consequence of poor credit.You may be placing the cart before the horse. Improving credit score is likely your best choice which means you may not be eligible for loans until you put in some better performance. Most lending agencies will avoid lending to poor credit risks, based on past performance. Where loans are available, generally it's at a much higher rate of interest and that's no fun.I hope I answered the question you asked. If it was actually a different question, then for 10 points, my answer to that would be definitely maybe depending on your horoscope and caloric intake.