My mortgage has now refreshed and itās only 14 days out of date. So thatās better 
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Yeah but Iām ok with this. Iāve just taken out a mortgageā¦ 12 monthly payments x 25 years = 300 payments. So if itās one or two payments outs, itās still accurate to within about 0.5%. As you get closer to paying it off, that error will become more significant, but I still think itās a nice addition.
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I know for a fact that we have a design for this kicking around in a Figma file - maybe weāll have a New Yearās card design as a gift to you! 
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Bring back shake-to-snow 
Monzo - please change these flags to ātrueā:
<boolean name="snowglobe_2018" value="false" />
<boolean name="snowfall" value="false" />
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Paging Santa Doe! @AlanDoe
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Just tried this now, and strangely it came up with two mortgages. One was correct, the other incorrect? How could this be?
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I have a mortgage with Barclays that came with a āreserveā account which allows for extra borrowing. This shows as a separate mortgage account with a zero borrowing and zero balance on my credit reportā¦ Maybe something similar?
It matches your details against what TransUnion hold, quickest and easiest way to check that they hold is to sign up to Credit Karma if you donāt already. Itās free, donāt bother with any paid services if it asks / prompts. Once youāve got access, check your credit file to see what it holds. They use TransUnion data so youāll be able to see what Monzo sees.
If however you canāt find another mortgage under your details, then report it to Monzo as feedback to staff can check to see why itās pulling something else.
@DaveJ @caribo @ndrw Itās strange as it shows the extra one as HSBC. I donāt have any additional lending and have never had a mortgage with HSBC. 
Will have a check with TransUnion and report back!
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Thanks for your helpā¦ I signed up to CreditKarma and it showed me everything I needed to know.
Is there a way to get stuff removed from it? As it seems theyāve incorporated my twin brotherās information into my credit score. (This sort of thing happens to us all the timeā¦ back in the day, at university he got double the student loan paid into his account and I got none 
).
Thanks again for your help.
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I believe if you click on the actual item in credit karma you can report it direct. If not check the help articles as I know it details the full process.
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Credit karma should have information details to contact individual data provider. Mist likely you will need to contact HSBC.
That would be a fun conversation āthe mortgage you think I have with you, I donātā.
You donāt happen to have the same initials as each other?
My other half is a twin and they share the same initials and when we tried to get a bank account it took quite a while to sort the mess as the twin had a poor score.
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No, itās not even the same initials. Completely different ā¦ just date of birth must be enough to confuse the people selling our data. Feels like a bit of a GDPR issue though to be honest.
My bro checked his Monzo, and his shows my mortgage as well as his! 
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God thatās really bad. I understood why it would be more confused with twins with the same initials and dob etc.
Make sure you set up ClearScore (mobile) and I would check out credit club on money saving expert as I know that would cover all 3 agencies including credit karma.
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You should probably report these things to the Information Commissionerās Office, theyāre serious breaches of the Data Protection Act.
Yeah I wondered that. How would I go about reporting these GDPR issues! Good job my bro is great with money!
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Unless you know the T&C of the mortgage provider, very difficult to implement.
A mortgage overpayment may:
a) reduce the term;
b) reduce the monthly payment; or
c) make no immediate difference and be applied to your mortgage annually.
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The more I think about this the more I want to see other accounts like this, picked up from credit report.
Please add Credit Cards and Loans from credit report that do not otherwise have open banking connection.
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