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Established Contributor
Posts: 556
Registered: ‎05-01-2007

2ND FA DISC Inquiry

I just got off the phone with Transunion and they told me the following. 2ND FA DISC is a soft inquiry, not a hard pull. It has to do with receiving a free credit report once a year..

Super Contributor
Posts: 6,211
Registered: ‎09-18-2007

Re: 2ND FA DISC Inquiry

CreditBob wrote:

I just got off the phone with Transunion and they told me the following. 2ND FA DISC is a soft inquiry, not a hard pull. It has to do with receiving a free credit report once a year..

What is meant by 2ND FA DISC means?

Valued Member
Posts: 42
Registered: ‎01-08-2017

Re: 2ND FA DISC Inquiry

It's still showing as a hard inquiry on my Transunion fico report

Valued Member
Posts: 32
Registered: ‎05-06-2016

Re: 2ND FA DISC Inquiry

I got one of those 2 weeks ago


Credit Karma reports as if it's a hard inquiry, BUT when I pull a reoprt from myFico it does show as a soft inquiry - as such I am just letting it go


I see it as a Credit Karma reporting glitch

Posts: 37
Registered: ‎07-06-2017

Re: 2ND FA DISC Inquiry

The same thing showed up on my report a few weeks ago.  I initiated dispute in April,  and started to show up as HP in June.


Hard inquiry wherever I check - CCT, CK, Wallethub, Barclay site... 


I called transuion and was told that they do not see it among hard inquiries.     Everywhere else, 5 TU hard inquiries.  But as per TU rep, I have only 4.


Now just scratching my head and wondering anyone has any idea to get rid of this.....How am I gonna dispute when TU states it is not in the list of HP???

Established Contributor
Posts: 871
Registered: ‎03-15-2014

Re: 2ND FA DISC Inquiry

Yeah this is showing up as a hard pull for me on every report I've looked at, except for TU. Not sure why every report puller out there is showing it as hard if it supposedly isn't.


Very weird.


Current FICO 8's: EX 704, EQ 691, TU 698 -- Scores of 400's at start of 2013 Rebuilding
-- Gardening since June 2016 (13 months)
Oldest TL: 5.4 years - AAoA: 2.8 years - INQ: EX(7) - EQ(5) - TU(7)
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