If it gave an insight into what criteria monzo looks for like held account for X days, or living at same address for 3yrs+ you can’t really fudge that.
You can do things like not opening loads of credit in a short space of time, getting on the electoral roll etc.
When it comes to affordability checks you could of course attempt to lie about your income but Monzo have already said if it’s too far from what they have on file then that counts against you if the delta is too great.
If it said based on our records with TransUnion you are on £30,000.
You need to be on £40,000 for X loan. And you were on that it would be good to be able to challenge it by submitting payslips.
Same goes for we believe you are the only earning person in your home paying the mortgage. If this isn’t the case challenge it to correct our assumption.