My understanding is that the FICO score looks at your last two years of history. A mortage appl. will look at things like BK. Good for you in paying off those two loans that quickly. You score will probably jump up a few points - but who knows for sure!
In anycase, so long as you're above 700 that's pretty good anyway (you'll get car loans, CC etc). I wouldn't worry about it. Your in good stance and just keep paying cash so you'll never have to look at the BK again !