Monzo users might see their credit scores take a hit due to the digital bank sharing data only with TransUnion and not with Equifax and Experian; Equifax and Experian are the two largest credit bureaus with TransUnion coming in as third largest; the decision could keep customers from making Monzo their primary account which is the holy grail for all banks; a new study from AT Kearney said 21 percent of consumers have their primary bank account with challenger banks; the move could also hurt Monzo’s chances of getting more millennials to make the digital bank their primary bank account. Business Insider