Review Time
Was told this would build my credit score. On top of taking 50.00 a month I was charged a monthly fee on top of that. I got my money fast and easy at the end of the 12 months. I have been waiting for my credit file to be updated which it has today and my score has gone down due to the “loan” being paid so I have less credit on my file. It’s actually gone down 37 points and taken me down to the below status.
Have just had a problem with getting my money redeemed and have tried to contact them, but thier chat box is a disaster and they do not have contact number to speak to anyone.
Dont recommended them very poor service.
Seems like a great idea untill you realise the web of complex subscription models that continue to try to take money off you and is exceptionally difficult to stop. Update to reply: I have already sent an email to discuss and Loqbox just said no refunds possible. Disingenuous company
My credit score has decreased because of this service. Today, my credit report indicates that an existing account has been updated, but I'm unsure what happened. I haven't seen any benefits since I opened this account, yet my credit score continues to drop. I intended to improve my score, but it seems to be declining because of this service.
I have had a positive experience with this service, as it encourages me to save while enhancing my credit score, which works perfectly for me. I have been using this platform for over three years and am pleased to recommend it to anyone looking to boost their credit score or save for future needs. It's accessible to all adults, and I only pay a small fee of £2.99 per week to utilize the system. This savings approach is ideal for my budget, with no hidden fees when it's time to collect my total savings.
I had a wonderful experience using the service for 12 months, although I haven't tried the saving option yet. I'm planning to start saving at least £50, but I'm still deciding on the exact amount. I'm excited about saving and making my payments on time—can't wait to get started! 😊
As a new resident of the UK, I began using this service to boost my credit rating quickly. They have been incredibly helpful, and I've seen a significant improvement in my credit score since I started. Their savings feature has also been fantastic for me. I highly recommend this service!
Avoid at all costs. I saved £20 a month to improve my credit score. After the 12-month saving period ended, the company required me to open a new savings account to access my funds or pay a £35 fee to continue using my existing account. Opening a new account resulted in a hard inquiry on my credit file, causing a 35-point drop, completely undermining my efforts. Moreover, the user experience on their platform is poor, filled with misleading tactics that push you to sign up for unnecessary paid services. As a design professional with 20 years of experience, I can recognize these strategies, but I can only imagine how bewildering it must be for individuals with complex needs or less social awareness. While the company may have started with good intentions, it no longer reflects that. They have become quite problematic.
I didn’t fully grasp what I was signing up for, and when I attempted to close my account, I had to make payments that I now can't track since I can’t log in anymore. The entire experience was confusing, and I was really let down when I tried to reach out for help. All I want is a refund and for the negative effects on my credit report to be resolved.
I appreciate this service for providing a structured approach to enhance my credit while also saving money. It feels much safer compared to traditional credit-building methods since there's no risk of overspending or interest fees — you only invest what you can afford. I also value the consistent credit reporting, which has allowed me to see my score improve each month. The platform simplifies the process, and the reminders are helpful without being overbearing. One area for improvement would be clearer instructions when accessing savings, as some steps with the partner bank can be a bit confusing initially. Overall, this service has truly assisted me in building my credit while safeguarding my savings, which is why I recommend it to anyone seeking a responsible way to enhance their score.
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