SQLServer JDBC Driver][SQLServer]Login failed for user 'xxxx'

In a test environment using CF 10 Developer Edition and a SQL Server on Windows 7, I get the above error locally every time a CFQUERY specifies a username and password (if I strip those out, the page executes, but they are required on the live server). I have set the MSSQLServer to accept both Windows and SQL Server authentication and verified the DB in CF Admin. I find a few other instances of questions about this problem, but no solutions that work for me. Can anyone help?