Is being fully Monzo ruining my credit score?

Well there are plenty, every week someone is complaining because can’t get a new credit card/loan with his perfect score.

Weirdly Monzo admitted basing their loan on the actual credit karma score. Its recently changed to their own assessment based on the report.

I’m wondering how many lenders actually do this.

I was quite shocked. I didn’t think it was possible for a bank to even see the score.

I’m not sure but I think cras also offer a different score with other logarithms and this one is completely different