Everybody has a different report with a different situation. Have you cleaned up your report after the discharge? I feel like your eq and ex scores are pretty much on par with what I have seen from people in the forums after BK. Your TU seems low but my TU score is also the lowest of my three, Just start slow and get as much help as you can from people on these boards. It can seem like a lot at first but the people here are great and have awesome advice/experience. One step at a time and you will get there.

Thanks! I'm addicted to this site. I'm amazed at how much credit people are able to get after a bk7.  I have First Premier (300.00) and Merrick Bank (600.00). Not going to go on any sprees for a good minute.  These boards have clearly showed me that this is not the thing to do!!

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Starting Score: 3/12 TU 533 Ex 458 EQ 519
Current Score: 12/12 TU 619 EX 556 EQ 601
Goal Score: 700BK7 3/12 DIS 7/12 LAST HP 12/7
Last app 12/7/12 OFF TO THE GARDEN UNTIL 06/14!!!!
In wallet: Merrick Bank 600.00>NFCU sig rewards 500.00

Awesome! Sounds like you have a good start. Now just remember 10% util and alternate the two for a while during some gardening and wait for your scores to come up! Good luck

The major reason for most score jumps post BK is typically utilization IMHO. 

If you have charge offs, collections, judgements etc...most these automatically report your utilization as 100%.

They day after BK, this drops to a whopping zero! 

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Starting Score: 501
Current Score: 694 EQ Fico 4/5
Goal Score: 700
Take the myFICO Fitness Challenge

Not to mention some people have multiple good old tradelines that come into play