Monzo如何报告你的信用

省流版：

monzo会报告3家cra

最起码要开通overdraft或者flex，即使是0% utilisation，也会被每月向CRA报告。

即使只开current account，monzo也会持续每月向CRA报告，我们正在报告他们"没有透支，且账户状况良好，因为你从未进入过未经安排的透支状态。"（但这个报告，对信用分的增长没有任何帮助，因为不涉及信用消费，何来影响信用分。monzo只负责报告，计算分数是cra负责的。）

起码要开透支功能overdraft，并进行透支，之后再还款，monzo才会循环报告你的信用

向monzo贷款也会循环报告你的信用

成功开透支和贷款才会hardpull，没成功只会softpull

透支overdraft：

贷款：

monzo不会报告：

当你寻求借款，无论是贷款、信用卡还是手机合同，向你借款的公司需要确信你有能力偿还所借款项。这就是信用参考机构（CRAs）的作用——它们从你借款的任何银行或贷款机构那里收集关于你的信息，并将其保存在你的信用档案中，供贷款机构查看。

在英国，主要有三个信用参考机构：TransUnion、Experian和Equifax。通常，贷款机构至少与这些信用参考机构之一合作，以帮助他们决定是否放贷。

我们已开始向Equifax报告信息，这意味着我们现在向所有三个主要信用参考机构报告信息。在2020年1月，我们通知你我们已开始向Experian报告信息，除了TransUnion。

今天我们很高兴地分享，我们也已经开始向Equifax报告信息，这意味着我们现在向所有三个主要信用参考机构报告信息。通过向所有信用参考机构报告信息，其他银行和贷款机构将能够更全面地了解你的财务状况，以便更好地决定能够提供什么。这还意味着你将能够在Equifax-powered服务中看到你的Monzo活期账户、联名账户和贷款（如果你有的话）的详细信息，例如ClearScore。

这些变化可能需要一个月左右才能显示出来。因此，你和其他银行和贷款机构将从11月开始在Equifax-powered服务中看到Monzo账户。

关于我们分享和不分享给信用参考机构的内容的提醒

对于你的活期账户（如果有）：

对于你的贷款（如果有）：

对于你的联名账户（如果有）：

以下是信用参考机构看不到关于你的信息：

我们每月向所有信用参考机构（TransUnion、Experian和Equifax）发送这些信息。我们必须这样做，以便我们也被允许查看他们持有的信息，这有助于我们做出负责任的放贷决策并打击金融犯罪。如果你在信用报告中看到Monzo的任何不对的地方，请通过在Monzo应用中与我们聊天来告诉我们。

Thank you for your patience whilst your query has been looked in to. As you have recently opened your account, Monzo have reported this to the Credit Reference Agencies.This is something all UK Retail Banks would do.

Vanessa来自借款团队，接手处理这里的事务！

非常抱歉回复您的时间有所延迟，我们在部门内的支持需求有所增加。虽然我们确实希望尽快回复客户，但很遗憾我们不是实时聊天，因此无法立即回复。

感谢您的耐心等待，同时我们一直在调查您的问题。由于您最近开设了账户，Monzo已向信用参考机构报告了此事。这是所有英国零售银行都会执行的操作。

将会报告一些个人信息，用于识别您并将您的Monzo账户与信用参考机构文件匹配。报告的内容包括您拥有的产品类型（活期账户）以及您开设该账户的日期（如果您已关闭账户，则还包括关闭日期）。

您可以在此了解有关信用档案报告的更多信息。

要了解有关您的信用报告的更多信息，您可以直接与TransUnion联系。如果有任何看起来不对的地方，请告诉他们，他们将能够更新信息。请注意，TransUnion可能需要最多6周的时间将更改发送给我们，但如果您在此期限后与我们联系，我们将审查您的资格。

您还可以在我们的博客上阅读有关信用分和建立良好信用档案的更多信息，链接在这里和这里。

如果您有任何进一步的问题，请务必告诉我们。

Aquabella here

Thanks for getting in touch, sorry

for the delay in getting back to you.

Whilst we report to the Credit

Referencing Agencies once a

month, it can take up to 6 weeks for

the changes to reflect on your

credit file.

If a change happened more than 6 weeks and is yet to be reflected on your credit file, please let us know!

我是Aquabella。感谢您的来信，很抱歉回复您的时间有些拖延。尽管我们每月向信用参考机构报告一次，但信用档案中的变动可能需要长达6周的时间才能反映出来。如果发生的变动已经超过6周，但在您的信用档案中仍未反映出来，请告诉我们！

Even if I only have a current account and have not opened an overdraft or flex, will you still report to the credit referencing agencies? What information will be reported?

即使我只有活期账户，并且没有开通overdraft or flex，你们还会向信用参考机构报告吗？会报告哪些信息？

==

Hi , Mafy here Financial Health Team.

Thanks so much for getting back to us, I do apologise for the delay in coming back to you

Sorry for hiding my message. It had some information that wasn't quite right, so I deleted it to avoid confusion

This message is longer than we'd usually send, pease read all the way to the bottom and let us know if you have any questions.

As you mentioned Overdraft and Flex, we provide more information below.

Regarding what information will be reported, to calculate your credit score, the credit reference agency will take a number of factors into account, including:

• Your payment history

• How long you've had credit

• The types of credit you have

• Your credit limits and how much of those limits you're using

• How much debt you have

You can also read more about credit scores and building a good credit profile on our blog and here in the app. Let me know if you have any questions about this - I'd be happy to explain.

When you apply to Flex, we'll run an eligibility check to see if we can pre-approve you. If we can't, we'll have only run a soft search, so there'll be no impact to your credit score.

If you decide to go ahead with Flex, once you've read the key information and accepted the credit agreement, we'll let the Credit Reference Agencies know by running a hard search. That will leave a record, and using Flex will affect your credit score like any other credit product.

If used responsibly, Flex can build your credit score in the same way as a credit card. That's because we report Flex to the credit reference agencies each month as what's called "running credit".

In deciding who's eligible for an overdraft and how big it should be,we take into account internal data as well as information from our credit reference agencies. Here's what you need to know about how this can impact your credit score:

To see if we can offer you an overdraft, we need to look at your credit history. This is known as a'soft search' and will show up on your credit report as a 'quotation search' and 'administration review'.Lenders can't see this information though, so it won't affect your chances of getting credit.

This is known as a 'credit application search' and it creates a 'hard footprint' on your credit file which can affect your credit score.Each credit reference agency has their own way of calculating credit scores, so how this affects your score depends on that particular agency's scoring model.

For example, if you're in your overdraft for more than 3 months without putting any money into your account, this can negatively affect your score. Again though, the impact this has depends on how a particular credit reference agency calculates your score.

We report to TransUnion (previously known as CallCredit), Experian and Equifax.

Monzo shows on your TransUnion credit report which you can view by logging into your Credit Karma account. Your Experian credit report which you can view by logging into your Experian account and your Equifax credit report which you can view by logging into your Equifax account.

So you know, each agency has their own scorecards on how they estimate a customer's credit score and certain factors on a credit file might weigh more favourably/ negatively in one credit agency's scorecards over another's.

If you'd like to learn more about credit scores you can check out this blog post here. And this blog post here will tell you how to build your credit score.

If you have any more questions or concerns about this, please let me know and I'll be happy to help.

你好，Mafy，这里是财务健康团队。

非常感谢您的回复，对于我们回复您的延迟，我深感抱歉。

很抱歉隐藏了我的消息。其中包含一些不准确的信息，所以我删除了它以避免混淆。

这条消息比我们通常发送的要长，请阅读至底部，并如果有任何问题，请告诉我们。

正如您提到的透支和Flex，我们在下面提供了更多信息。

关于将报告哪些信息，为了计算您的信用分数，信用参考机构将考虑多个因素，包括：

• 您的付款历史

• 您拥有信用的时间有多长

• 您拥有的信用类型

• 您的信用额度以及您使用了多少信用额度

• 您的债务总额

您还可以在我们的博客以及在应用程序中了解有关信用分数和建立良好信用档案的更多信息。如果对此有任何疑问，请告诉我，我将很乐意解释。

当您申请Flex时，我们将进行资格检查以查看是否可以预先批准您。如果不能，我们只会进行软搜索，因此不会对您的信用分数产生影响。

如果您决定继续使用Flex，一旦您阅读了关键信息并接受了信贷协议，我们将通过进行硬搜索告知信用参考机构。这将留下一条记录，使用Flex将像任何其他信贷产品一样影响您的信用分数。

如果使用得当，Flex可以像信用卡一样建立您的信用分数。这是因为我们每个月将Flex报告给信用参考机构，作为所谓的"运行信贷"。

在确定谁有资格使用透支以及透支额度时，我们考虑了内部数据以及来自信用参考机构的信息。以下是关于这如何影响您的信用分数的重要信息：

为了确定我们是否可以为您提供透支，我们需要查看您的信用历史。这被称为"软搜索"，会显示在您的信用报告上，标记为"报价搜索"和"管理审查"。不过，借款人无法看到这些信息，因此不会影响您获取信贷的机会。

这被称为"信贷申请搜索"，它在您的信用档案上留下了"硬足迹"，可能会影响您的信用分数。每个信用参考机构都有自己计算信用分数的方式，因此这将取决于特定机构的评分模型。

例如，如果您连续透支超过3个月而没有向您的账户存入任何资金，这可能对您的分数产生负面影响。不过，这种影响取决于特定信用参考机构如何计算您的分数。

我们向TransUnion（以前称为CallCredit），Experian和Equifax报告。

Monzo在您的TransUnion信用报告上显示，您可以通过登录您的Credit Karma账户查看。您的Experian信用报告可以通过登录您的Experian账户查看，而您的Equifax信用报告可以通过登录您的Equifax账户查看。

请注意，每个机构都有其自己的评分卡，用于估算客户的信用分数，信用档案中的某些因素可能在一个机构的评分卡中更受青睐或更不利于另一个机构的评分卡中。

如果您想了解更多关于信用分数的信息，可以查阅此博客文章。而这篇博客文章将告诉您如何建立您的信用分数。

如果您对此有任何更多的问题或疑虑，请告诉我，我将很乐意帮助。

I'm sorry about your wait, we've been experiencing higher than anticipated chat volumes, but we really appreciate your patience

Thank you for responding

Yes, as you have an active current account regardless of having no lending with us information would be shared with credit file agencies.

Reading through the chat, I can see that my colleague Vanessa has shared more information about this including links with further information.

Some personal information, used to identify you and match your Monzo account to your credit reference agency file is what would be reported. The type of product you have (a current account) and the date you opened it (and closed if you've closed your account).

You can read more about credit file reporting here.

Please let me know if you have any questions.

Thank you

Is it a one-time report at account opening/closing or a monthly report?

这（活期账户）是一个一次性的报告，是在开户/关闭账户时提交的，还是一个月一次的报告？

==

I apologise for the delay. We're experiencing a high demand for support at the moment which means it may take us a little longer to get back to you.

Thank you for getting back to us and for your patience with us so far.

In regards to this it is only reported once when the account is opened and which it is closed. You can read more about credit file reporting here.

Also to find out more about your credit report you can check with TransUnion directly. If anything looks wrong, please let them know and they'll be able to get that updated. Please note, TransUnion can take up to 6 weeks to send the changes through to us,but if you get back in touch with us after then, we'll review your eligibility.

我为延迟感到抱歉。目前我们的支持需求较大，这意味着我们回复您可能需要一些时间。感谢您迄今为止对我们的耐心。

关于这个问题，只有在开设账户和关闭账户时才会进行一次报告。您可以在此处了解更多关于信用档案报告的信息。

此外，要了解有关您的信用报告的更多信息，您可以直接向TransUnion查询。如果发现任何错误，请通知他们，他们将能够进行更新。请注意，TransUnion可能需要最多6周的时间将更改传递给我们，但如果之后您再与我们联系，我们将审查您的资格。

Q:

I didn't open an overdraft, didn't open flex, didn't borrow a loan, only opened a current account, why would monzo still report to CRA?I saw monzo reported to TU on TotallyMoney.

The first report was on 1st February , and the second report was on 1st March . It seems like Monzo is continuously reporting.

The Monzo customer service previously stated that the current account would only report once when opening and closing the account. However, the reality I have observed is ongoing reporting, even for only the current account. l am curious if this will affect my credit score. How will it impact it? ls it a positive or negative impact? In my situation, what will be reported?

我没有开通透支，没有开通flex，没有借款，只开通了一个活期账户，为什么Monzo仍然会向信用参考机构（CRA）报告？我在TotallyMoney上看到Monzo向TransUnion报告。

第一次报告是在2月1日，第二次报告是在3月1日。看起来Monzo正在持续报告。

Monzo的客户服务之前曾表示，活期账户只在开户和销户时报告一次。然而，我观察到的现实是，即使只是活期账户，也在持续报告。我很好奇这是否会影响我的信用评分。它会如何影响？是积极的还是消极的影响？在我的情况下，会报告什么？

==

A:

==

A:

Hi Rowan here.

Thanks so much for your patience.

We got feedback from our experts saying you do not have an overdraft, as we can see from the screenshot it is showing that your overdraft limit is £0 which is correct as you do not have an overdraft with us so we are reporting that you do not have an overdraft and that the account is on track as you have never entered an unarranged overdraft.

==

Q:

I only have a current account, why would monzo still report to CRA?I saw monzo reported to TU on TotallyMoney.

The first report was on 1st February , and the second report was on 1st March . It seems like Monzo is continuously reporting.

The Monzo customer service previously stated that the current account would only report once when opening and closing the account. However, the reality I have observed is ongoing reporting, even for only the current account. l am curious if this will affect my credit score. How will it impact it? ls it a positive or negative impact? In my situation, what will be reported?

我只有一个活期账户，为什么Monzo仍然会向信用参考机构（CRA）报告？我在TotallyMoney上看到Monzo向TransUnion报告。

第一次报告是在2月1日，第二次报告是在3月1日。看起来Monzo正在持续报告。

Monzo的客户服务之前曾表示，活期账户只在开户和销户时报告一次。然而，我观察到的现实是，即使只是活期账户，也在持续报告。我很好奇这是否会影响我的信用评分。它会如何影响？是积极的还是消极的影响？在我的情况下，会报告什么？

==

A:

You're talking to Nikita

Hello Nikita here.

We request the data shown in your credit score and summary from TransUnion, so unfortunately we're not able to amend it for you.

If something doesn't look right about your credit score or summary, you can check the information TransUnion have for you at: https://www.transunionstatreport.co.uk/CreditReport/AboutYou

Let us know if there's anything else we can help with

你正在和Nikita交谈 你好，我是Nikita。 我们从TransUnion请求显示在你的信用评分和摘要中的数据，所以很遗憾我们无法为你修改它。 如果你的信用评分或摘要中有什么看起来不对的地方，你可以在以下网址查看TransUnion为你提供的信息：https://www.transunionstatreport.co.uk/CreditReport/AboutYou 如果还有其他我们可以帮助的地方，请告诉我们。

==

Q:

Is it because you need to request the data shown in my credit score and summary from TransUnion, even if I only have a current account, so you will continue to report to TU? What do you report to TU? Or do you not report anything to TU, just keep getting my data from TU?

是因为你需要从TransUnion请求显示在我的信用评分和摘要中的数据，即使我只有一个活期账户，所以你会继续向TU报告吗？你向TU报告什么？或者你没有向TU报告任何东西，只是不断从TU获取我的数据吗？

==

A:

There are lots of factors which can have an effect on your credit score, like your history of paying back money, how much you're borrowing, how much credit you have available, and whether you're registered on the electoral roll.

You can also read more about credit scores and building a good credit profile on our blog and here. Let me know if you have any questions about this - I'd be happy to explain.

有许多因素可能会影响你的信用评分，比如你偿还款项的历史、你借款的多少、你可用的信用额度，以及你是否在选民名册上注册。 你也可以在我们的博客和这里阅读更多关于信用评分和建立良好信用档案的信息。如果你对此有任何问题，我很乐意解释。

==

A:

We are reporting that they do not have an overdraft and that the account is on track as you have never entered an unarranged overdraft.

我们正在报告他们没有透支，且账户状况良好，因为你从未进入过未经安排的透支状态。