I believe that, to FICO, 4 years is still fairly recent. Tells me that on mine & the last late was about 3.5, so I'm feelin ya.
That's why I'm trying the GW's. I don't think GW's will help when the lates have been bundled into a bk. Was it a ch7? Those, I believe, are a little more forgiving since you actually do pay some of it up.
BK 7 discharge 06.24.2020 No Fico score at all.