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Loqbox: Credit score builder reviews

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4.77
Based on 1,126 reviews, last reviewed 18th Sep 2025
100% decrease in 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
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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
Josefa 's avatar
Josefa

Latest lowest rating:

2

AVOID the hidden fraudulent charges Whilst appearing honest, and in abundance giving consumers hope to better their financial predicament, Loqbox has been found out to be a profit and mo... Read more Reviewed on: 18th September 2025
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Martin g
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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.

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Loqbox Credit score builder reviews (1126)

THEY CHARGE £30 to REDEEM YOUR MONEY

1
I have not read ONCE that this is what happens, and then when I have come to redeem, I either have to open a new account with a New bank somewhere (only 3 options) OR pay £30 to get it put into my account. NOT ONCE was this made clear when I set this up. I am Not Impressed. Reviewed on: 30th December 2022
Michelle Roche's avatar
Michelle Roche

failed to take the payment

1
I used loqbox for a few months, then they failed to take my payment, i checked over my bank and everything was fine, i tried to ling again the account but they still couldn't take the payment, i even tried to link a new account but it did not help, so i had to unlock the account to avoid a bed credit report, and i had to pay 40$ for it. so loqbox didn't help me to increase my credit report, and i even lost 40 dollars. Reviewed on: 8th December 2022
adam's avatar
adam

Read the website, knew what to expect, my credit scores gone up!

5
Think it's quite unfair to see so many reviewers saying 'scam' and 'thieves' when reviewing this company. At the end of the day, YOU are still responsible for building your credit. You can't sign up to a savings thing like this, not read how it works and then badmouth the company. Lots of things can make your score go down, you need to be accountable for yourself over the year of savings too. It's a good company that builds your credit score. Yes, there's a £30 charge if you decide not to open a bank account at the end, because that bank won't be giving them a commission then they have to ask the customer for it instead, it's all clearly explained. Quit moaning, they are helping people. My score has gone up 81 points already (after 4 months), that's worth more than £30 in my opinion. Reviewed on: 4th December 2022
Laurence P's avatar
Laurence P

Not helping

1
I lost 40 points becoz I joined No we're did it say I was going to lose points. Just herd about all the points I was going to gain. Said you get 21 points for joking. Yh I lost 40. I will probley have to continue with this now coz no more than likely if I stop now that will probo go agaist me good luck ppl Reviewed on: 9th November 2022
Paul Mcgarry's avatar
Paul Mcgarry

STAY AWAY THIEFS

1
This company charges mo ey without telling u. Even if u cancel the box they stil continue charging u. And u CAN NOT GET THIS BACK EVEN IF THEY HAVE EVIDENCE U WAS NOT USING THEIR CRAP SERVICE. U DOWNGRADE TO LITE PLAN AN STIL THEY WILL TAKE THEIR 2.50 AFTER SAYING ITS FREE!!! Reviewed on: 27th October 2022
Should shibz Miah's avatar
Should shibz Miah

Cryptocurrency/NFT recovery

5
THIS IS A "MUST READ" FOR ALL NFT / CRYPTO CURRENCY SCAM VICTIMS AND EVERYONE BATTLING WITH POOR CREDIT SCORE. WHAT IS THE TENDENCY OF ACTUALLY GETTING BACK LOST NFT's OR FUNDS LOST TO CRYPTOCURRENCY SCAM? ABSOLUTELY POSSIBLE. DO YOU DESIRE CREDIT REPAIR?(TRANSUNION, EQUIFAX, EXPERIAN)? YOU MUST CONTACT THE RIGHT AGENCY TO ACHIEVE THIS. www recoveryprecinct com Recovery Precinct is a financial regulator, private investigation and funds recovery body. We specialize in cases concerning ethical hacking, cryptocurrency, FAKE investment schemes and recovery scam. We are also experts in credit repair. Visit www recoveryprecinct com now to report your case or contact our support team via the contact information below to get started. Reviewed on: 10th August 2022
Recovery Precinct's avatar
Recovery Precinct

Scammers

1
Worst type of scammers, the ones that only pray on people with financial difficulties. They will scam you out of 30 quid just to get your money back Reviewed on: 8th August 2022
J.t's avatar
J.t

Rip off!!!

1
Charges you £30 at the end to withdraw your own money. Avoid at all costs! Reviewed on: 31st July 2022
Charlene Bimpson's avatar
Charlene Bimpson

Keeping my savings hostage

2
Advertised as a free way to improve your credit score whilst saving money. Fast forward 12 months, did my credit score go up, hard to tell as clear score changed how they score your credit. What about my savings? Well I've now got to pay £30 to get my £550 back from them because I won't sign up for a TSB bank account. Steer well clear of this company. Reviewed on: 25th July 2022
Lindsay Browning's avatar
Lindsay Browning

LoqBox is a good saving tool.

3
I used LoqBox to try and build my credit score. Despite saving with them for a year, my credit score didn’t change. I took out one of their packages which promises a 50-point increase or 5% interest on your savings, this cost £10pm. It is not worth it. Should you choose to build with LoqBox, don’t take out one of the packages. Reviewed on: 18th July 2022
Stephen J.'s avatar
Stephen J.

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