OP, your debt as compared to your income is simply too tight at current. However, I'd look into the differences between your Equifax score and the others since it appears it isn't reporting the same information given the large difference. Maybe the EQ score is missing your deleted collections?
As MovingForward says, that car payment is holding you back. Maybe once the EQ score gets righted you can 1) refinance or 2) trade for something with a lower payment.
Does your wife have no income currently?
Starting Score: 717 (Exp); 702 (Equifax); 740 (TU)