I don’t understand why Monzo can’t just say that they can’t validate information via credit reference agencies.
(And I also object to the hold that private companies have over our lives. I might have mentioned this before).
The easiest way is to add a feature of manually adding address through the App. As anyhow they can verify home address with other references like monthly utility bills etc.
In crux i realized that it is not getting resolved quickly , and hence need to push towards other apps unfortunately.
It’s not like that can claim by keeping quiet it doesn’t break some kind of commercial secrecy about where they get data from
Also may address is in the Royal Mail database
My address shows correctly with all credit rating agencies (just checked) and have a great credit rating but need more credit to be excellent. That blows my mind, because I manage my money and don’t spend what I don’t have I’m only great.
My house is the only house on that postcode not that that’s relevant but this is a real pain in the back side.
You don’t need more credit to be excellent. They are telling you that you do because if you click through and take out a card, they’ll earn a commission. The credit score number is irrelevant and only there to sell you things.
Do the basics, don’t over-extend yourself, don’t have constant hard searches etc. and you’ll be fine. Whether it says great or excellent has zero impact on anything.
I tried this and all 3 found my address and royal mail confirmed it’s correct but it still doesn’t show up on the Monzo app.
They (Monzo) said they would escalate it to a specialist team last year. Since I heard nothing I tried again today and lo and behold nothing has been updated.