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Loqbox: Credit report and building reviews

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4.75
Based on 1,128 reviews, last reviewed 2nd Feb 2026
100% decrease in 5 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:

1

Zero result / false advertising I signed up based on advertising and the promise to help shift my credit rating. However 6 months passed, i made the payments, but the result is zero.... Read more Reviewed on: 2nd February 2026
Sabina Khachaturian's avatar
Sabina Khachaturian
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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 report and building reviews (1128)

Just a waste of time really.

1
Ok so this service on the face of it looks great, to anyone who doesn't understand there credit score or how to improve it. But in the real world it's a total waste of time, and abit of a scam really. I say this loosely as you can either pay them £30 to have your own savings put in your own bank or be forced into opening a new bank account to have your own money back for free. Well that's a big hassle to get your own money back and will take several weeks before you actually have access to your savings not do good. Next is the credit score options so the only free one only gives you 10 points now if you have an amazing score and are struggling to get those final few points to max it out then why not but to the normal person with a score that needs improvement like 99% of there customers the measly 10 points just isn't worth the hassle. To get any more from them cost you money which is counter productive. So really this is just a scam to get people to sign upto new bank accounts. As you should all know you credit score fluctuates every month commonly buy a number much greater than 10 points say 20-30 points on average all the way upto 120 points depending on your circumstances. So with this in mind the 10 points offered is a pointless drop in the ocean with no real affect on your score what so ever. So this service just ends up being a pointless direct debit. I mean if you are incapable of saving them this may be an option for you however with regards to your credit score the impact is negligible and really not worth the hassle. You would be 1000% better off having a phone contract or credit card or something similar and keeping up with that as they will have a real impact on your score instead if a pittiful 10 points which then cost you more time and money potentially than the 10 points would ever be worth in the real world. If it was 100 points for free then this may be one a viable service to help those with poor credit. But unfortunately as it stands it's abit if a gimmick to trap new customers into changing bank accounts or signing upto other subscriptions. Seriously just get a new toy on credit and pay it off least then you have something to show for it and has more of an impact on your score. Note all new credit reduces your score for few months then it will go up higher than what you started at its a patient Gabe building a good credit score. Reviewed on: 17th October 2021
Paul Hewitson's avatar
Paul Hewitson

Awful

1
If u ever need to cancel and get ur money back they charge u £30 to get it to ur account or open another account which u I can't. The custo.er service takes ages and then the eventually offer u a stupid card which u just cancel anyways but its charged to ne postaged. Don't expect ur money for a while Reviewed on: 17th September 2021
No name's avatar
No name

Ending financial exclusion!

5
LOQBOX offer an awesome opportunity to save and grow your credit at the same time, fantastic product experience! Reviewed on: 27th August 2021
Jamie McIlveen's avatar
Jamie McIlveen

Solid service

5
Love the mission and what the company stands for. Reviewed on: 26th August 2021
shrey25's avatar
shrey25

Amazing

5
Great product and company - love it Reviewed on: 25th August 2021
Lily's avatar
Lily

Brilliant service

5
Great experience, helped to build up my credit score/history over a year & lovely customer service. Reviewed on: 24th August 2021
Jess B's avatar
Jess B

A credit builder that also teaches you how to use credit

5
A credit builder shouldn't be a magic bullet, to gain access to better credit you should also be taught how credit works and the risks. LOQBOX does just that as well as helping you save and it does it all for free! Reviewed on: 24th August 2021
Ellis 's avatar
Ellis

Awesome company

5
LOQBOX is a really unique product idea, and makes a really big difference to how you build your financial health, your credit score and build a nice pot of savings. Excellent service. Reviewed on: 24th August 2021
Jenny Hall's avatar
Jenny Hall

Easy peasy

5
An easy and free way to save money and boost credit score Reviewed on: 20th August 2021
Krings's avatar
Krings

The best credit builder in the UK

5
A purpose driven firm that gives the opportunity for customers to build their credit score for free. Reviewed on: 20th August 2021
Tim Porter's avatar
Tim Porter

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