Do not get impatient. These things take time. I filed BK7 Jan 2011, Discharge Jun 2011 with a score of 560. I also had a state tax lein and a foreclosure. It took a full year to get my report clean and accurate. It took 18 months to re-hab my student loans and get them straight. It takes time to rebuild. If it was easy, everyone would be doing it.
I am exactly 2 years to the week for filing BK7. I checked myfico scores today and i sit at EQ 680 and TU is 679. I have 4 student loans reporting good for 4 years. I have a 20K car loan reporting for almost 1 year. I have one CC (Cap1, 750CL) reporting for 18 months, another for 12 (Orchard, 1500 CL) and yet another (Barclays, 2K CL) reporting for 6 months. I pay my statement every month and occasionally I pay it off before the statement cuts. In other words, I make my payment a few days ahead of the due date. i go on line to see the outstanding balance NOT AMOUNT DUE. The statement closes on the statement date and reports about 5 dsys later. My AAoA is 9 years. My oldest is 22 years (Utility). My CC utilization is 10~15% and NEVER have a single card go over 60% of the balance regardless of the overall utilization.
I was very frustrated and still am. I got into this mess through no fault of my own. All my baddies are over 4 years old.