Tina, more information is needed to determine the cause of your problem, but initially it doesn't sound like the house is settling; more as if you have some flooring that is working loose.
What type of flooring is it; carpet, tile, hardwood?
You mention upstairs; is this only happening on a 2nd floor, or now also on main floor?
You also mention gaps between walls and floors; please explain. Is this a gap between baseboard and hardwood floor, quarter round and tile?
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