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Loqbox: Credit report and building reviews

Name: Credit report and building
Rating: 4.75 (1129 reviews)

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4.75

Based on 1,129 reviews, last reviewed 10th Mar 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

86%

Latest highest rating:

5

Good explanation easy to use professionally and easy... Good explanation easy to use professionally and easy enough for me to understand how to use it properly and how to make sure that the correct way to u... Read more Reviewed on: 16th September 2025

Latest lowest rating:

2

Gruelling experience from my time with LOQBOX I was a Loqbox customer for nearly three years and wanted to try their credit products and was attracted by their Loqbox save feature. I have written ... Read more Reviewed on: 10th March 2026

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About this product

Loqbox helps you build your credit profile.

With a membership, you can build credit while you save, access educational resources, get a dedicated line of credit that pays for your membership and report your rental payments to credit reference agencies. Loqbox offers two membership tiers – Full and Lite.

Loqbox reviews help you find out what it’s really like to be a customer. If you’ve used Loqbox before, you can also leave a review and share your experience.

Loqbox Credit report and building reviews (1129)

Review of the Loqbox, Credit report and building:

Built my credit score up slowly and surely and very...

Built my credit score up slowly and surely and very transparent. Reviewed on: 23rd May 2024

They literally take 200 pound from my savings without a reason

They are a scam they stole 200 of my money saying that they sent it to my but clearly not still even showing in the app Reviewed on: 3rd May 2023

Fantastic!

Easy to set up an account. After one year, I could easily withdraw my savings (minus a £30 fee) and my credit score did go up by 200 points as promised. Very useful app, so I've continued into year two. My credit score can't improve too much more, so I opted for the free basic package and use this more like a savings account now. Reviewed on: 5th April 2023

Helpful app

Lots of informative emails great money saving app easy to do Reviewed on: 27th March 2023

It's ok to slightly boost your credit score

It's ok to slightly boost your credit score however they force you to open an unwanted bank account simply to withdraw you're own money fee free. This is just a way for the banks to make money more than to help the customer. Poor. Reviewed on: 25th March 2023

Good Good Good

A good way to build credit and get advice. Reviewed on: 10th March 2023

Useful for the savings bit and the credit builder

Have seen an improvement in my credit score since I started using Loqbox 3 months ago. Highly recommended Reviewed on: 10th March 2023

Scam

The worst decision I have ever made. Soon as I signed up to loqbox my credit rating went down. I'm 3 months with no improvement. Their customer service is nonexistent. They do not reply to any emails. Avoid !! Reviewed on: 11th February 2023

Only sign up if you can't open normal accounts

Had a thin file and needed to improve my score. I opened 2 normal bank accounts and 1 credit builder card in October. I was recommended by credit karma to get additional credit and one suggestion was Loqbox. My Transunion went down from 566 to 558. Equifax stable at 668. Experian went down from 684 to 631 Reviewed on: 10th February 2023

Good way to save money and build credit

They made it very easy to set a goal and follow it through Reviewed on: 8th February 2023

Bit of a con

When your score falls consistently each month since taking out the spend and save products to the point where it is well below the promised increase, that's the time I realised that Loqbox was yet another cynical con that preys upon the vunerable. Reviewed on: 4th February 2023

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