If I were in your shoes I'd probably be shitting my pants and immediately start working as many hours as I can. The amount of interest accruing on those cards has to be gut wrenching.

Seems like right now is a highly emotional time for you with the recent breakup and you think you should "treat" yourself to this apartment. Once you move in and realize half of your income is going to an apartment that you don't own and aren't building equity into you'll hate yourself.

Experian (which shows your FICO Score) is the one that matters. Equifax and TransUnion show your VantageScores which aren't as widely used. You can also go to annualcreditreport.com to get a free report from all three bureaus.