I been trying to rebuild my credit so that I can finally move out my moms house. Paid off all debts with the exception of one plus a student loan but its not in repayment mode so that's good. March 22 I looked at my credit score which was 598 for my transunion. well since then 2 of my accounts have fell off my credit report. I had them for 5 years and in the state of NY paid accounts can only stay on for that long so I guess I lucked out. Feels good to live in New York!!!! Not to mention I was approved for an Orchard bank card and that finally was reported. And just today I checked my credit score again and it was 630. I am so happy because my primary reason for rebuilding my credit was to move out of moms house and it looks like I'll be able to because my credit was the only thing denying me. Im so excited you have no idea. My goal is to reach 680 and I'm not too far now!!!! Good luck to everyone.