I have been working the last couple years to restore my credit, after a rough patch. Have two years of ontime, regular house payments in, one year on car loan, making more than minimum on credit cards. Only one late payment on a kohls card - one wk. And my credit score has dropped 40 points in the last month or so, With banks not lending i am unable to refinance and get better interest rates. Its frustrating. That and I work in Madison and live in Darlington. I stay here with friends during the week because of the cost of gas. Its all very frustrating and despite having a great job, I am constantly worried over what is going to happen next.