If “Equifax Mortgage Services” appears on your credit report, it likely relates to a recent mortgage application. Here’s what this entry means, how it impacts your credit score, and what you can do if it wasn’t authorized.
What Is Equifax Mortgage Services?
Equifax Mortgage Services is a division of Equifax, one of the three major credit bureaus. This branch provides credit-related services to mortgage lenders, helping them evaluate your credit during the loan application process.
When lenders use Equifax for mortgage-related checks, it may show up under different names like:
- Equifax MTG
- EMS
- Equifax Mortgage Servi
- EMS LACS
- EMS Atlanta
Why Equifax Mortgage Services Appears on Your Credit Report
Equifax Mortgage Services appears as a hard inquiry when a lender pulls your credit during a mortgage application. This is a standard step in the process, allowing the lender to assess your credit profile.
If you recently applied for a mortgage or pre-qualification, this entry is likely legitimate. But if you didn’t, it’s worth looking into.
How a Hard Inquiry From Equifax Mortgage Services Affects Your Credit
Hard inquiries usually lower your credit score by a few points. A single inquiry won’t have a major impact, but several in a short period can do more damage and may raise concerns for other lenders.
This is why it’s important to monitor your reports and avoid unnecessary credit applications.
How Long Equifax Mortgage Services Inquiries Stay on Your Credit Report
Like all hard inquiries, this one can stay on your credit report for up to two years. The good news is that the score impact fades over time—often within the first 6 to 12 months.
That said, if the inquiry wasn’t authorized, you don’t need to wait for it to fall off. You can take steps to remove it.
What to Do If You Don’t Recognize the Equifax Mortgage Services Inquiry
If you don’t recall applying for a mortgage or giving permission for your credit to be checked, reach out to Equifax Mortgage Services directly to verify the inquiry.
Here’s their contact information:
Equifax Mortgage Services
One E. 22nd St., Suite 620
Lombard, IL 60148-4984
Phone: (800) 374-2179
Once you’ve confirmed the details, you can decide whether to file a dispute with the credit bureaus.
Can You Remove Equifax Mortgage Services From Your Credit Report?
Yes—if the inquiry was made in error or without your consent, you can dispute it. Contact Equifax, Experian, and TransUnion to request an investigation.
If you’d rather not handle the process yourself, a credit repair service can help. Credit Saint works to remove inaccurate items from credit reports, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Want Help Fixing Your Credit?
Credit Saint has helped thousands of people clean up their credit reports and rebuild their financial standing. They even offer a 90-day money-back guarantee, so you can get started with confidence.
Visit their website today to see how they can help you take control of your credit.
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