My BK13 is not set to fall until like Oct this year. So far my TU one is gone and has been gone a few months. The Experian one just fell off between the 16th and today. Yes sir! Now I am waiting for ole Mr. Equifax to follow suit. Guess they will probably hold it til the very end. I saw no score increase on Experian on my fako score. it was the last negative item on it outside of a late payment from jan.
What else that's really bad is on your reports? There's got to be something b/c you're @ 7 years and your scores are in the low/mid 6's. I'm guessing what ever it is is why you didn't get a bump when the BKs fell off. Or... haven't you been rebuilding at all for the last 2 years? I guess that could do it, too.
7 years post filing a 13 I think most people I've seen are well into the 7's.
You don't have to answer if you don't want, but I'm working on a CH13 to 720 guide and I'm really curious. Note: I see that 1 late in Jan, but that shouldn't hit you so hard. If you haven't done it recently, I'd do a triple pull from www.annualcreditreport.com and make sure everything is right.