First, you need to get a copy of your report from each of the 3 agencies, Trans Union, Equifax & Experian. Check for accuracies, if there are any errors dispute them in writing to each agency who reports it. You may need to provide proof that the information is wrong, but if you don't have it, dispute it anyway.
Paying down balances to 1/3 of their limit is a big help. Available credit increases scores. If you have a $6000 limit, pay it down to $2000 or below. Do this on all of your revolving accounts.
Do not close any accounts, this will lower your score, not increase it.
Meet with a few local lenders and ask if they assist in credit repair. I've done it for several clients when I did loans and we both benefited.
Start by getting a copy of your credit report. Dispute any inaccurate information. Sometimes it helps to write a good faith letter to you creditor. Explain to them what happened tell them how it will never happen again and that you are trying to build your credit up to buy a home. It doesn't work all the time but it only takes a few minutes to try. Last but not least pay your debt down but not off for some reason lenders like you carrying at least 10% debt. Hope this helps.
You should first read about what factors make up your credit score, which you can find at http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx
A detailed list on other ways to improve your credit score can be found at http://www.myfico.com/crediteducation/improveyourscore.aspx
You may consider checking your credit report.
If you find anything on it that is incorrect for any reason you should dispute it.
You may be surprised that some things that were supposed to be charge off may still be on your report.
Check statute of limitations as well for your state and make sure any negative items fall off when they are supposed to.
Best of luck
From what you describe--and I'm not a lender so I'm not an expert--it sounds as if your credit score really could be higher. The one black mark is the bankruptcy 8 years ago. And your utilization of credit cards is a bit high. And maybe your debt-to-income ratio with the new car is affecting it. Still: 25 years on the same job, current on car payments. Presumably (you didn't say) current on other payments.
I'm sure paying your credit cards down would help. Not much you can do about the new car; I'm guessing you'll have payments on it for another 4-5 years. If there are any other black marks in your credit report, try to address them (open collections, for instance). And definitely consult with a loan officer who can go over your credit report with you and identify the items that are dragging your numbers down.
Hope that helps.