I just want to say hang in there! I'm about 4 years post BK13 discharge.
The rebuilding process didn't take as much time as I thought and I was able to close on a house less than 24 months from discharge.
As I currently type this I'm in the 800's across the board, a home owner for 2.5 years, have multiple cards with over 10k limits (no high amounts on them), have bought a few new cars (lifestyle changes), and actually just was able to get an unsecured loan in minutes with a VERY low APR. Life will get better just hang in there! Chapter 13 has definitely matured me as a borrower and I will be in a better spot in the future if the market hits a down turn.