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Posts: 114
Registered: ‎09-21-2007
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Anyone heard of them???? they just pulled an inquiry on my Credit Report! without my Authorization!
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Took some searching, but I remember reading this long ago:

hope this helps!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 1,080
Registered: ‎06-08-2008
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[ Edited ]



OOPS! I see this is a SUPER old thread, but these guys just hit me with an inquiry as well!


6 Clementon Rd E Ste A2, 
Gibbsboro,  NJ 080261199  



So, who are they? 

Message Edited by WannaHouse on 02-05-2009 12:13 AM


We are finally homeowners!!

Closed May 5th-30 yr fixed at 5.25%.

Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008
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Wanna, they hit DH's reports back when we were mortgage shopping. While we never found out exactly WHO initiated it (apparently, they're doing the credit legwork for another mortgage company), we apped with LendingTree (aka eLoan), QuickenLoans, CountryWide and Amerisave ... and one other whose name I can't recall.

But EMS works as an information gatherer for mortgage companies -- sorta like LandSafe does.

So I guess the pertinent question is: HAVE you apped for any mortgages lately?? If yes, it's prolly them. If no, send'em the Non-PP letter and spank'em GOOD. Smiley Mad


Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Established Contributor
Posts: 837
Registered: ‎02-27-2008
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They got me two months ago. I closed on a house in October and then got the pull a month later. If you're in the same boat, then it's an audit and you did agree to it somewhere in all that paperwork you signed.



If you didn't just close on a house, then I don't know what to tell you.

FEB '08 FAKOs: TU 628 | EX 650 | EQ 584
JAN'09 FAKOs TU 686 | EX 705 | EQ 664
EQ FICO: FEB '08 646 | APR '08 678 | SEP '08 679
New Member
Posts: 1
Registered: ‎07-20-2009
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We applied to rent a townhouse in VA two days ago and this showed up as an alert. I guess the owners are using them to verify credit????

CS: 686 - 710
CS history:
646 (2008)
657 (2009)
657 (2010)
646 (2011)
Regular Contributor
Posts: 164
Registered: ‎09-23-2008
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Your lender used Equifax Mortgage Services to provide a Tri-pull.

Valued Contributor
Posts: 2,000
Registered: ‎04-07-2009
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This is a CRA they pull on behalf of their client which is reported as the end user on the credit report. If it does not display on the credit report call customer service.


Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015

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