Ok so after seeing quite a few credit score topics recently, I decided to check on mine since becoming Full Monzo almost 2 years ago.
I have no other bank accounts or credit cards, just the usual direct debits, mortgage and a car loan.
My score was low, so I did some digging.
Turns out Virgin Media put a default on my report for an £11 debt from LAST YEAR. I had to cancel my broadband with them because I was moving to a new house in an area they didn’t cover. Instead of contacting me at my new address, emailing or telephoning, they apparently just kept sending letters to my old address 
After having to escalate this to the ombudsman I won my case and the mark was removed on my file.
Here is my new score:
So there you have it 
Regardless of if you think scores are important or not, for me, Monzo has had no impact.
I’d advise that if someone has concerns that they pay a couple of quid to see a detailed view and chase up unscrupulous companies. How they’re allowed to tarnish someones credit report so carelessly is beyond me.