Just a thought but , will monzo ever add a credit building option for those that messed up at 18 ?
I have a decent amount coming in each month bills are paid on time ect but sometimes youre bound to become stuck!
I think it would make a great feature just a small amount to prove you’re trust worthy, have it reported to the cras build it up and then be able to borrow more?
Maybe I don’t know lol
Monzo don’t offer this service yet but you might find some use for Loqbox 
The basic principle is that they perform 0 credit checks on you when you sign up (this is to help people boost their score after all 
), you then select a monthly amount to deposit (I believe it’s anywhere from £20-£300 per month for 12 months).
At the end of the 12 months (assuming you’ve not missed any payments) you receive the money back in full - it gets deposited into a new ISA free of charge (or an existing bank account for a £30 charge 
).
Enough of me trying to sell the service though 
here’s their site 
https://www.loqbox.co.uk/
I’ve got a referral link if you’re interested in signing up (referral) for full transparency, I get £10 and the referee gets nothing
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