You're really improving as far as realism goes, but as you know, you have much to work on. First thing I notice is the outline of the chin and jawline...neither the shading or the shape is smooth. I recommend you do the dark parts of the neck and hair first, THEN go back and use an eraser to clean them up before carefully penciling in the shading next time. The left side juts out from her face, giving it a strange effect, and the right side is drawn too wide. (Wide jaw lines are a habit you've developed from anime drawings. )

The eyes are gorgeous, you did a great job with them. =Jucali is right--the necklace is a bit flat. I know you can get very excited when a drawing is turning out how you want, but you can't let that rush you to finish it. I can tell you from personal experience that I've spent 2 hours on a square inch after finishing a large portrait, and though it kills you from anticipation, you can't let it drag down the final piece.

I see you used an eraser to draw in the light hair. Great job using that technique, it's one of my personal favorites. However, when you do that, you should go back over it with a sharp pencil to make the strands really stand out. Also, you could do that technique in the darker hair area in the lower left and right corners to add more dimension. You can also use a tissue to softly smudge any parts that are not in focus in the reference photo.

As for her lips, they're a bit flat. I see what you did, but it might be more beneficial to draw tons of thin lines to follow the...err...grain?...of her lips, THEN go back over it with the eraser to gloss them to shine.

And I hate to say this again, but my art teacher always said this to me: Contrast, contrast, contrast! Make the lightest parts WHITE and the darkest parts BLACK as necessary in the reference.

Overall, great job! You're improving so much!