Starling users, is your current account visible in all 3 of your credit reports (Experian, Equifax & TransUnion)? I believe they report to all three agencies (unlike Monzo), but I know that what it is banks report exactly can vary slightly. Mine only shows in my TransUnion (Credit Karma) and Equifax (ClearScore) reports, but not Experian.
I don’t have an arranged overdraft, but that should be irrelevant since I don’t have an overdraft for my HSBC or NatWest current accounts either, yet they are reported to all three agencies. I tried asking them about this via chat but they just linked me to their privacy terms and conditions and then left, and since there’s no longer a Starling forum, I figured this would be the best place to ask