It takes time after a DC for everything to update. Give it 60 days from DC date and go from there. Most creditors that you reaffirm with dont report during the proceedings until the DC is completed. It will show no data. Then it kicks back in reporting like it did before the BK around 30+ days after they report again. Be patient. You might, and I mean might, just get a small score increase after its all done. Then check Cap1's pre-qual.
Sorry I'm not experienced on home & student loan stuff. Maybe @RobertEG will pop in and handle your questions.