Please Help! Need to raise 10 points for Conventional Loan

[Alexjq]

My wife and I just built our first home. Our construction loan closed last year. Now that our house is complete, our lender is refinancing our loan into a permanent mortgage. We need to raise both our scores up roughly 10 points each in order to qualify for a conventional loan instead of going FHA.

What can we do to raise our scores fast? We have $6k to pay down on cc's. Should we pay 2 cc balances in full or spread the $6k around each account?

We've had no late payments since 2004. Our revolving cc balances are what is hurting us the most

Scores I've pulled 

My TU FICO = 670

Wife's TU FICO = 678 

Scores Lender pulled

Mine = 674

Wife's = 672

[Creditfox]

Getting the CC utilization below 9% worked for me.

[WannaHouse]

I think paying off two cards completely will benefit you the most. Can you list your cards, balances, and limits so we can see what will work the best?