Credit Karma ARE NOT true FICO scores, so we really can't try to figure it out.
I suggest you order your actual "FICO" scores to see what you scores are.
I'm only repeating what I've read from others who are more experienced with this stuff. But it's best to wait at least two months to let things settle after the discharge. I'm going through a Chapter 7 and I noticed that there is a delay with between the various credit reporting companies with records being updated. Something changes on one report and it might be a week or two later before the other credit reporting companies update their records.
Also as someone else already said Credit Karma scores are not accurate. Credit Karma is good to keep track of info changing on your report but that is about it. Pay here for it your scores or someone else might mention if there is a accurate free way to get your scores.
I doubt you are anywhere near 700, more like 550 - 625 range.
You need to pull real reports from this site or similar.
Realistically, 700 will take 1 to 3 years if build is done properly.
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It can take up to 30 to 60 days for everything to update. You can pull all 3 FICO's from credit check total for a buck and cancel before the trial is up. Everything included in BK should say IIB and 0 balance. Plus you may just may get a score boast due to no more debts. Ignore CK all together. You could get your free EX FICO right now at Discover Scorecard. Once you reach 40-60 days out. If anyone is not reporting correctly IIB and 0 balnce. Dispute it. For now be patient and let it ride out. Its still too fresh to gauge anything right now. Let us know what happens. Good Luck!
All of your accounts should say IIB.
It took a while for mine to correct itself. TU was the correct one for me and the others finally followed along.
I would wait a month or two to see where you stand and then if you think they are not correct you can file a dispute and say they were including in your bankruptcy to have them show the right thing.