It was my understanding that E-Mortgage was necessary if you want Equifax to provide the Credit Score/Notice to Home Loan Applicant disclosure for you. I was told that if we chose to provide the disclosures ourselves, we would need to upgrade from our current version to Equifax's Beacon FACTA 5.0 to ensure we receive "number of enquiries" as a 5th factor when applicable. I was under the impression that Beacon FACTA 5.0 could be accessed through E-Port which is what we currently use, so access to E-Mortgage would not be necessary (unless we wanted Equifax to provide the disclosure).
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Opinions expressed are mine and do not represent the views of my employer.