Do something else - don't file BK.
Average scores don't have any meaning in the credit score world. There are all kinds of scoring formulas. Where did you get your scores from? If you are looking to file BK the scores should be the last thing on your mind.
You just bought a home a few months ago, Feb 2014. That means your very first payment wasn't due until April 2014. It is now August so you have only made 4 payments. Has something major happened in the last four months? Filing BK during the first year of your mortgage would be a major issue for you as it would be considered a default under your mortgage terms (read the note and mortgage and you will see it).
You may not (most likely not) be able to reaffirm the mortgage at all. Especially since it will be a first year default. They will make the originating lender take back the loan and f/c on you. You would be better off selling the property if you can't handle the payments.
Even if the judge allowed a reaffirmation, which is doubtful, the lender probably would NOT continue to report your payments to the CRAs. There is no obligation at all for the lender to report your payments after a BK.
Same thing with your auto loan. Even if the judge allowed the reaffirmation, there is no guarantee that the lender would continue to report the payments. This varies from lender to lender.
You would be better off, if the issue is your $10k of debt, reworking your budget. Go to daveramsey.com to get help there on reworking your budget.
Or rent out a room in your house until you get back on your feet. Sell off any extra things you have to apply toward the debt. Contact your credit card companies and work out a hardship arrangement. Sell your car/auto and buy one without payments. Usually your car payment is the largest payment after your house payment and this is probably the thing that causes most budget shortfalls IME.
I am serious. There are many things you can do to work out your problem, but filing BK is not one of them - because you will lose your house over it.
