I hate when people try to read too much into a monthly number. Last month did not portend that housing was going to triple and this month does not portend that housing is going to collapse.
It's critically important that people understand and know what their what their credit score is, ... Even if you're not going to buy a home for a year or two, you need to talk to a mortgage banker you trust. They're going to pull what's called a tri-merged credit report.
This is one of the many different tactics businesses are using to get in on the hot housing market. Lenders are grappling with what they can do to keep people coming to the market.