Hello,
I’ve noticed that my Monzo account doesn’t appear on ClearScore/Equifax? It’s quite annoying I just want to know why Monzo doesn’t lend data to these companies?
I have to use Credit Karma/Noddle but it doesn’t exactly seem correct to use that.
Transunion are the only credit reference agancy Monzo currently report to
There are a few threads covering this. Here’s a recent one.
Essentially it costs Monzo to report to these so they do not yet.
I’ve often been curious how the fee structure works. If Monzo don’t report to Equifax or Experian, does it mean they don’t search these two too?
It is a bit unfortunate though, at least for now, as most of the other lenders / banks use all 3 or at least one of the bigger ones (Experian or Equifax).
Not necessarily - a bank may report updates to all 3 but only use 1 to make the lending decision, or the other way round in some cases.
I’ve seen it differ by product as well, or just by bank. So a bank may report to all 3 for a mortgage but only 1 for a current account.
There’s the cost involved but also internal costs around corrections to credit files, reporting, systems & controls etc.
Good thing is if you only report to 1 and get something wrong then you only have 1 to fix and not 3 
TransUnion are one of the largest credit rating agencies on par with Equifax and Experian. They are just less well known in the UK.
Thanks everyone for the responses, I’ve used TransUnion to get my credit report instead as it takes into account all my banks that I use 
Might be better known as Callcredit, who Trans Union acquired a while back.