MasConcepts Incorporated

I have some serious questions about my credit.
I filed for Chapter 13 bankruptcy in October 2025. Now, as of July 2026, my credit has recovered much faster than I expected. Mind you, I’m still actively in bankruptcy. Before filing, my credit score was 741, then initially tanked to high 500-610s. Today my scores are:

Equifax: 737
Experian: 728
TransUnion: 719

I’ve also been approved for three credit cards with a combined $9,000 credit limit ($3,000 on each card). Right now, I’m not using any of them because I’m unsure of the best strategy.

Is this level of recovery after less than a year normal? Is there anything I should be doing differently to continue rebuilding my credit while I’m still in bankruptcy? Should I be using these cards, or is it better to leave them untouched?

My goal is to maximize my credit score and put myself in the strongest financial position possible?

Additional context: $75k in debt. I’m in my 30s, earn about $115,000 per year, and I’m a homeowner. My Chapter 13 is a 100% repayment plan, and my monthly plan payment is $485.