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4. Source of income.
5. Monthly debt payments.
7. Assets/Reserves.
8. Location:
9. Property Description:
10. Property Value.
11. Occupancy.
I think you'll be fine pretty soon (in a few months) but it's going to be up to you to ensure you NEVER make any payments LATE and that you manage the utilization ratios of your two revolving accounts properly. (most folks agree here that you want to carry small balances on those 2 cards--one of which now is $0). Delinquencies after a BK tell a lender that you haven't learned your lesson so I'd think you might want to get them paid off if possible.
Look at how your last 30 day late mark (Capital One Auto) has crushed your score and it's likely to be the reason you are where you are now ( 1x30 < 12 months ago) and wait a couple more months to see how you'll improve with time as that late grows to > 12 months (>24 is optimal)