I have accessed my TransUnion credit report these ways :
Directly with TransUnion = shows correct details all accounts inc mortgage
Credit Karma = shows correct details all accounts inc mortgage
MSE app = shows correct details all accounts inc mortgage
Monzo =
Wrong credit score
Doesn’t have mortgage
Doesn’t have any account records
This means :
- I can not apply for the Monzo credit card as it says “you have no credit history.”
- I can not link my mortgage as Monzo can’t find it. (Emma and other services found it no problem).
- The credit tool on Monzo is wrong and therefore useless to me.
It does list in the Monzo app that I have perfect scores with Equifax and Experian (which is correct) but that doesn’t seem to affect their assessment that I have no credit history. I think only TransUnion is actually used for these other elements and since the TransUnion score is not absent but wrong (only wrong on the Monzo app) I think the link to this is where the issue is.
I have been chatting to Monzo customer support via the app but I keep getting the same answer: “If you have something wrong on your credit report contact the credit agency.”
I have tried to explain in every way I can think of, that my credit report itself is correct. It shows everything using every way I have to check it except on Monzo. I think Monzo have me connected to someone else’s file. But I can make no progress.
I feel like if a human did a search this could be solved. E.g found oh there is a slight variation in home address formatting. It seems on support chat they are only following script and can’t actually look into this issue.
Any help would be appreciated.