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not risen the two most important factors are credit short term have increased slightly and thanks and inquiries the days of paying everything should be given to the us because their with cash are gone it is almost a requirement anticipated increase has been held off at least for the short term due to a stable economy the prices for the residential housing mar ket have had moderate increases this year and the amount of buy ers versus sell ers has almost equalized this creates a far more stable effect than we have been accustomed to for a number of years what should i do the single most important item is to get your finances in order take a good hard look at all your monthly pay ments and see what a good consolidation can do for you also take into consideration mortgages are not and the high rate of interest that you are paying reported on your credit bureau how is that on a large number of those credit cards the for a screwed up system minimum payment just barely covers the inter- the days of shopping all over for the best est a good consolidation can save you hun- terms and conditions are over each and every dreds of dollars a month in payments and time you apply for credit an inquiry is lodged equally important you will be in a position to on your credit bureau if you have more than actually save some money each month for three inquiries over the past six months seri- those emergencies that seem to crop up two ous points are lost on the almighty scoring the helpful and friendly staff at the mortgage factory are sylvia mainguy hylton mullings glenn campbell paul chatham and sylvia jules for the credit scoring system that you have a major credit card and one department store card in other words damned if you do and damned if you dont in the past you could wait until your accounts would get three to four months behind and then realize that the time has come to get them under control this type of thinking no longer works today in most cases if your accounts get more 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