For anyone who may read later and wonder what happened:
The account is under dispute still within Indigo, however since I paid the balance down the scores rebounded almost fully by about 45 pts each on this months update. Hopefully I will gain a few more next month after dispute. So that's good news.
The even better news, or funny news, is that the mortgage scores had not even gone down. I was only looking at my default FICO 8s. When I actually went ahead and ran the whole report for the others I noticed an INCREASE in the mortgage scores, as if the cards weren't even relevant. I will never understand FICO. So, home buying process was not interrupted and a contract with a rate of 3.3 with FHA pending appraisal!
