What is EMS?
EMS is short for Equifax Mortgage Services/Solutions.
EMS may be on your credit report as a hard inquiry. This usually happens when you apply for a mortgage. Equifax Mortgage Services may also appear on your credit report as ‘Equifax MTG’, ‘Equifax Mortgage Servi’, ‘EMS LACS‘, or ‘EMS Atlanta’.
What is a hard inquiry?
A hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application.
Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.
What is a soft inquiry?
A soft inquiry typically occurs when a company checks your credit history as part of a background check. It can also happen when a credit card issuer or lender checks your credit to prequalify you for an offer. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.
Soft inquiries do not have an impact on your credit scores.
How long do hard inquiries stay on your credit report?
Whether you get approved for the mortgage makes no difference. The hard inquiry will remain on your credit report for up to 2 years. Each time you make an inquiry, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.
Unauthorized Inquiries
If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Equifax Mortgage Services and ask them why an inquiry was made. The creditor’s name should be listed under the hard inquiry section on your credit report.
Can EMS be removed from my credit report?
Lexington Law specializes in removing inquiries and other negative marks on your credit report. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- collections
- charge offs
- foreclosures
- repossessions
- bankruptcies
Get Your Inquiries Removed Today!
If you’re looking for a reputable credit repair company to help you repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 to see what they can do for you.
