What is EMS LACS?
EMS LACS stands for Equifax Mortgage Services.
You may see EMS LACS on your credit report as a hard inquiry when you apply for a mortgage. Equifax Mortgage Services may also appear on your credit report under different names such as ‘Equifax MTG’, ‘Equifax Mortgage Servi’, or ‘EMS Atlanta’.
How Hard Inquiries Affect Your Credit Score
When EMS LACS appears as a hard inquiry on your credit report, it signifies that Equifax Mortgage Services has reviewed your credit history as part of the mortgage application process.
A single hard inquiry may only cause a small decrease in your credit score, but if you accumulate too many hard inquiries in a short period, they can significantly impact your credit score. This is because credit scoring models view multiple inquiries as a sign of financial instability or a higher risk of defaulting on credit obligations.
How long do hard inquiries stay on your credit report?
Hard inquiries can remain on your credit report for up to two years and are recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion. However, their effect on your credit score diminishes over time, with most credit scoring models no longer considering them after about a year.
Can EMS LACS be removed from my credit report?
If you believe that EMS LACS or other hard inquiries on your credit report are inaccurate or causing undue harm to your credit score, consider seeking professional help from a credit repair firm like Lexington Law. They specialize in removing inquiries and other negative marks on your credit report.
In addition to removing inquiries, Lexington Law can help you dispute and potentially remove other negative items from your credit report, such as:
- late payments
- charge offs
Taking Control of Your Credit Situation
If your credit score is negatively affected by hard inquiries or other unfavorable marks on your credit report, consider reaching out to Lexington Law for a free credit consultation. Their expertise has helped many clients in similar situations improve their credit and achieve their financial goals.
To begin, visit the Lexington Law website and complete their online form. A credit expert will evaluate your situation and recommend the most effective course of action to improve your credit score and overall financial well-being.
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
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