Here is how it went.  Lender pull EQ-576 2/3/12, myFico 3/3-565, 3/5-EQ 549.  On the 2/3 pull, the Dec lates, along with past dues, were already there.  On the 3/3 pull, we were current with no lates.  I'm not sure why I even went in on 3/5, but I think my wife went to pull hers and my page was still up, so I got another one.  We are trying to get to 640 to buy my parent's place, this summer, so this really set me back.  My wife went from 490 to 588 in a little over a month, but not sure we have enough cash on hand to bring down balances enough for both of us.  We only have one joint debt, which is a line of credit, that is still open.