Of course the BK matters. It is a PR and it will report until it falls off, which will take every day of 10 years. As long as it reports it is there to be noted. That said, you need to get to a CU and start building a relationship. A CU is more likely to be BK friendly than any other lender. A finance company will not treat you very well. They don't treat anyone very well and you're sporting a BK.
Go to all your local CU's. Start with the largest and proceed in order of decreasing size. Print out and take with you all three of your CR's and tell them you are not authorizing a hard inquiry but are asking what they can do for you. Do not move to higher APR's. This makes no financial sense. Financial sense must win out over FICO sense. FICO is just a lenders tool for granting you credit. It is, however, YOUR MONEY!
You do present more than one problem, however. Yes, you do have a well aged BK. But you also have high total UTIL and a high proportion of cards reporting balances. All these things are hurting your FICO scores. You really are not going to have access to the best credit products until you get your total UTIL down -and- pay off a few of those cards. 11 of 12 reporting balances is just too many!
I would not be looking for a mortgage until that BK falls off. A BK stops being a showstopper for obtaining a mortgage after 2 years. However, you have a marginal FICO and any mortgage app will put your CR's under a microscope. They will be aware of the BK as long as it is there to see. Once it falls off they will never know about it, unless, for some reason you still have an account reporting as IIB. Also, you must watch all inq/new accounts within six months of app'ing a mortgage. Do not rely on the advice of a mortgage broker as far as cleaning your CR's is concerned. It is frequently defective. You will get better advice here.