Smart Money People Logo
Share this page
Link copied

Loqbox: Credit score builder reviews

View other Loqbox products
4.77
Based on 1,124 reviews, last reviewed 14th Aug 2025
29% increase in 5 star reviews
in the past 90 days
600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
86%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
1%
See only 1 star reviews
5%

Latest highest rating:

5

My credit score has started coming up great service My credit score has started coming up Reviewed on: 14th August 2025
Stella's avatar
Stella

Latest lowest rating:

1

Don’t even understand what this is and can’t stop mo... Don’t even understand what this is and can’t stop money going out my bank Reviewed on: 10th July 2025
Hannah J's avatar
Hannah J
Read all reviews Write a review

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.

Review Loqbox: Credit score builder now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Loqbox Credit score builder reviews (1124)

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.

They are refusing to give my money back

1
They are refusing to give my money back. I requested to close the account Friday morning at around 6am, we are now Monday at 16:32 and the online assistants keep saying to wait until the end of the next working day. This IS the end of the working day. When I pointed this out they cut me off from online chat. WHERE IS MY MONEY???? Reviewed on: 4th July 2022
pearl phillips's avatar
pearl phillips

The best palace to increase your score

4
Loqbox is the placd where you can start dreaming about your financial. Reviewed on: 29th June 2022
Saurabh's avatar
Saurabh

Review Loqbox: Credit score builder now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill