I think this is all we know so far, as Monzo haven’t finalised the process yet -
& I expect the credit history is tied in with proof of address.
Currently Monzo ask you to send a scan of your passport & selfie video for identity verification (for iOS users anyway) so it seems like they’ve got the obvious checks covered…
We know that the Monzo team (or Tom at least) hate completing forms & posting them, just as much as we do so I’d be surprised if they don’t find a way to do all of the verification digitally.