Ok i bought a house last week so went to see about porting my mortgage, filled all the info in and application was rejected, i checked credit file and seen i had a default and missed payment which was not my fault, anyway on thursday i phoned the company to blame and they agreed to remove as it was a mistake, today my credit report was clear on both experian and equifax, my score on experian was up from 616 to 958. My mortgage broker pleaded with the mortgage company to check application again so they did, rejected again, broker then asked why and they said i had a default and missed payment, my broker new this to be false so complained and it turns out the credit report the mortgage company have was for a date in january, after some very strong words they have agreed to look at my copy of the credit report and requested the letter from the company which made the mistake stating they had removed the wrong info.This was submitted today but my broker does not hold out much hope as the mortgage company in question were very unhelpful and have a bad reputation. My question really is how often do these companys download the credit report, is it once a month? i could move mortgage company but i would be worried they have old credit report too. Also how can i have access to an upto date report but they cant?