How to Remove Equifax Mortgage Services From Your Credit Report


Is Equifax Mortgage Services hurting your credit score?

Credit Saint has successfully assisted countless clients in removing inaccurate and questionable credit inquiries from their credit reports.

What is Equifax Mortgage Services?

Equifax Mortgage Services is a specialized division of Equifax, one of the three major credit reporting agencies in the United States. This specialized division focuses on offering various mortgage-related services and products to lenders, mortgage service providers, and consumers.

These services are designed to help lenders assess creditworthiness and to streamline the mortgage application process for all parties involved.

Why is Equifax Mortgage Services on my credit report?

Equifax Mortgage Services can appear on your credit report due to a hard inquiry, which typically occurs when you apply for a mortgage. Lenders use this service to assess your creditworthiness before deciding whether to approve your loan application.

Equifax Mortgage Services may also appear on your credit report as ‘EMS‘, ‘Equifax MTG’, ‘Equifax Mortgage Servi’, ‘EMS LACS’, or ‘EMS Atlanta’.

Understanding Hard and Soft Inquiries

What is a hard inquiry?

A hard inquiry happens when a lender or creditor runs a credit check as part of your application for new credit. This can include mortgage applications, car loans, credit cards, insurance policies, cell phone contracts, and even certain job applications.

Although hard inquiries typically only lower your credit score by a few points, having too many in a short period can accumulate and cause significant damage to your credit score.

What is a soft inquiry?

A soft inquiry typically takes place when a company conducts a background check or when a credit card issuer or lender prequalifies you for an offer. Existing creditors may also initiate soft inquiries to monitor your current credit situation. Unlike hard inquiries, soft inquiries do not impact your credit scores.

How long do hard inquiries stay on your credit report?

Regardless of whether your mortgage application is approved, the hard inquiry remains on your credit report for up to 2 years. Each inquiry is recorded by one or more of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Addressing Unauthorized Inquiries

If you find an unfamiliar inquiry or are confident that you did not initiate it, contact Equifax Mortgage Services immediately to inquire about the reason for the inquiry. The creditor’s name should be listed under the hard inquiry section on your credit report.

EMS Contact Information


Equifax Mortgage Services
One E. 22nd St. #620
Lombard, IL 60148-4984

Phone number: (800) 374-2179

Can Equifax Mortgage Services be removed from my credit report?

Credit Saint is a reputable credit repair company that specializes in removing inquiries and other inaccurate negative marks from your credit report.

They can also help you dispute and potentially remove items such as late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.

Get Started Today

If you need assistance from a reputable credit repair company to help improve your credit history, consider working with Credit Saint. They have a proven track record of helping individuals in similar situations.

Visit their website and fill out the form to learn more about their services and how they can help you.

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.