I got an email update from the Fair Isaac VP over Fico scoring. So the 2ND FACTACT FREE DISC that was listed as a hard inquiry has been addressed and fixed. Here is a copied & pasted email from him. This is now behind all that it has affected. So for now on Annual Credit Report (ACR) will be reported as a soft inquiry.
I interacted with my contact at TransUnion regarding your situation described below. It was shared with me that the matter was investigated further by TransUnion and through a process of discovery, TransUnion identified a technical issue with the transmission of certain soft inquires to TU partners which resulted in some FACTA soft inquiries being categorized as regular inquiries. A deployment to fix the issue, where the regular inquiries were updated to soft inquiries, was executed by TransUnion on 02/16/2018. Your file has been corrected.
