There is no time element after a bankruptcy (any bankruptcy) .. only a sequence of events, some good, some bad.
The very first thing you should do is go to MyFico.com & Equifax.com and pull your credit history and see what it says ... our credit reporting system is less than accurate, especially after a bankruptcy .. so you need to look at every single account and see what it shows.
The sequence of events could be anything from paid loans now showing as delinquent
or creditors showing showing credit lines that were never opened and "just now" going into default or a bad student loan you never had .. or a paid creditor showing an R9 status -- it's common, very common.
Thanks for the question, Ray