Well, I had to fight Equifax tooth and nail, and be extorted in the end (and *still* don’t have a free one),  but I finally got a credit report from them, and got it turned in to the bank before Thursday’s cutoff, about which they wrote us on the 3rd and mailed it on the 9th. We got it on the 12th, which was a Saturday,  Monday was a holiday (Stupid Lost Italian Day), cutoff was the 15th. Nice. We’ll know for sure by Friday, and close is scheduled for November 1st,  I believe. I’m not sure I’m ready for this!