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Hello ZackS. Welcome to the forum!
You may want to clarify something for us. You say that your "Equifax and Transunion have been rising consistently" but that your "FICO" has been steadily dropping during the last four months. Is the "FICO" that is steadily dropping from the remaining credit bureau (Experian)? Are the EQ and TU scores you are talking about not FICO scores? (For example, are you getting them from Credit Karma? In which case they would be Vantage 3 scores.)
You also mention that you have two credit cards and (possibly?) a PayPal charge card (unsure whether this is appearing on your reports or not). What seems clear is that all of your cards show a $0 balance. You will see a definite improvement in your scores if you allow one card to report a small positive balance (e.g. $10-20) each month while leaving the others reporting at $0. The card that reports the positive balance should be a true credit card, not a charge card.
Do that and your scores will be plenty high enough to secure the best rates on your lease.