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Kaiya P

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Review of the Loqbox, Credit score builder:

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Simple, Effective, and No Risk

I’ve been using Loqbox for a few months now and it’s been a really smooth and helpful experience. I wanted to build or improve my credit score without taking out a credit card or loan, and Loqbox felt like a safe, low-risk way to do that. The concept is really clever: you “save” money each month, and they report those payments as if you were repaying a loan—so it builds your credit history. Then at the end of the year (or earlier if you choose), you get all your savings back. It felt like a win-win, and I appreciated that there was no interest or debt involved. Their app and dashboard are really easy to use, and I was pleasantly surprised at how quickly my credit score started to improve. It also gave me a bit more discipline with saving, which was an added bonus. I’d definitely recommend Loqbox if you’re just starting out with credit, repairing it, or looking for a low-stress way to build a good score over time. Just make sure you stay consistent with your payments and don’t withdraw early unless you have to. Reviewed on: 24th June 2025

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