So, in the past 6-7 months is about when i started actually building my FICO/Credit. I finally got my first FICO in December with a 615 with TU (via Discover) and a 623 with EX (via PSECU). Just today my PSECU Experian score updated showing a jump to 661. That's a 38 point jump! I was very happy to log in and see this.
I was greatly surprised since my UTI is still high on the one card reporting. I have 3 other credit cards pending to show on my credit report still to help my overall UTI. So, I am not exactly sure what happened since I have between 10-20 INQ's within the past 6-7 months.
I am gardening now, so, I hope to see an even bigger jump next month. 
Inqs lose a lot of their punch at 6 months and their affect is gone totally at 1 year, can also be your accounts are getting older. Grats
