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Posted

I've noticed this on at least 2 of my credit reports and I have not applied for ANY mortgage. One report has a phone number but it comes up Equifax workforce company. Anybody find out if this is fraud? Should I be worried??? I don't want to freeze my credit as I'm trying to start a company

Screenshot_20241003_221030_Capital One.jpg


Posted

I'd recommend obtaining your reports directly from the credit bureaus and if the inquiry shows up on there, then reach out to the creditor it lists.  If it's Equifax then they should be able to tell you who the actual creditor is, as they probably just used Equifax Mortgage Service as their credit vendor.  For example when we check people's credit the inquiry shows up as "Advantage Credit", but that is just the name of the company we use to check our borrower's credit with, it's not the name of the mortgage company I work for. 

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