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personal finances expert vera gibbons it's a question a lot of us are asking today. >> the race to refinance. you want to crunch the numbers get a col late tore you can go on-line and run the numbers to see what scenario is best for you. sometime it is makes sense sometimes it doesn't. maybe you want to go from a 30 year to 15 year or maybe you want to skip it. it boils down to your personal situation and making the numbers work your time frame a lot of the circumstances. >> consider your options and then decide to move. >> there are a lot of options out there. one thing a lot of people ask is how much is it going to cost to refinance? >> there are costs involved. normally about 2 percent of the loan. $200,000 loan that would be 4,000 dollars. you have to take into consideration your time frame your circumstances. it's a personal decision it boils down to. you have to get a lot of documents together. two years tax return a couple pay stubs. you have to find alender. >> get ready for the paperwork. >> it takes some time. once you decide who you are going to go with you apply and they pull you

gibbons. >> we are tracking more than just your credit, what do you mean by this? >> not only credit whether you pay your bills on time how much debt you have but they maintain personal information like employment records where you live and when you apply for credit lenders told us if they don't like what they see employment record maybe you move around a lot you are seen as financially irresponsible. >> moving around? >> they could think you are irresponsible. you could be denied credit all together. >> we make money selling your secrets. what? >> the three major credit bureaus maintain 200 million files on consumers tracking over 60 percent of the population. some of them sell your personal information to lenders and any one else. >> that's legal? >> any one who is willing to buy it. this is how they make money and this is how unsolicited credit card offers end up in your mailbox. >> you mentioned the federal trade commission study. 1 in 5 consumers has an error in credit reports. 13 percent had errors that impacted credit score 5 percent more serious could resul