Equifax Mortgage Services

[Anonymous]

Hard Pull on all 3 credit reports from the above. I did a search on this site and found that someone else had this problem and sent a permissable purpose letter, but there was no follow up on it.

Anyone else have this happen? I just obtained a mortgage last month but am not sure how this would give anyone permission for the hard pulls.

Thanks for any help!!

[ShanetheMortgageMan]

Seems odd, perhaps they are about to sell it to an investor and the credit report was outdated per guidelines.  They are a credit vendor, so a mortgage company used them to check your credit.  They might be able to tell you who their client was who checked your credit but probably not the specific reason why.

[Anonymous]

One of my inquiries came from Equifax Mortgage as well.  When I applied for a mortgage at the credit union - their name is listed on the CR.  However, my bank used Equifax Mortgage.

[Anonymous]

I did A LOT of digging. Turns out my file was being audited and it was something I agreed to in all the paper work signing. It was basically just a measure to make sure there were no other mortgages that closed around the same time and that all my information was correct.

[ShanetheMortgageMan]

Makes sense, got to love those post-closing audits.