Last year at this time I couldn’t get an apartment leased to me without a cosigner. Yesterday I got an apartment on my own and the credit check triggered MyFico to update. My scores are all above 611 now and I am elated. I’m still waiting for my 3rd bankcard to report (July 1 will be 3 months opened so it should report then) and for two more rehab payments to go through on a Perkins loan by Aug.1. I started to rebuild in December with mid 500 scores and my goal was to hit 650 by the end of the year. I think I may actually be on track! Its a little win, but it feels like such a huge relief to me right now.