I got a promotion at this job to director with a nice pay increase so this may help me out even more. All in all, I have gone thru a lot for a mortgage. The thing is now I can afford a more expensive home but I am happy regardless. As far as my credit, that is ALL good. I need a gas card and I got a mobil card yesterday. They must be easing up at Monogram Bank. Thank Goodness! That was my only inquiry in 3 months. Whoa! (lol). I havent been reading this board so I dont know what is going on with many of you guys but I will look back a few posts. Good Luck to everyone as always.... Smoochies!