I think am panicking thinking there might be another reason - cant think what though but I would have thought that when the credit file is updated its that uptodate file that the bank access............I just find it difficult to understand that the banks wouldnt be completely uptodate with such important information.

anyone help?

So fed up. Applying for a new mortgage (split from husband and keeping the house in my own name) LTV is 46%. I work full time and been at my address for 15 years. Discovered a default on my credit file and was refused new mortgage.........default was a mistake and it was removed same week from all 3 CRA and also got a letter confirming it had been an error and now removed. This was 4 weeks ago, my mortgage broker reapplied yesterday and its still being refused on credit score..........my credit score is 944 but being told the banks system doesnt update instantly but no one can give me a straight answer when it does. My broker said he will now send in everything to the Halifax and get the underwriters to look at my application and he will include a copy of my clean credit file and the letter confirming the incorrectly applied default. Does anyone have any thoughts on this - when the update their systems. I have one account with Very thats sitting at £148 = uptodate and the credit limit is £2500. Plus i have an uptodate mobile phone account - never late with any payments. Everything is fine looking at my credit report now.