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Build your credit score
with Loqbox
Loqbox reports to all three UK credit reference agencies — building the credit history you need for phone contracts, renting, and everything that comes next.
Loqbox reports to all three UK credit reference agencies — building the credit history you need for phone contracts, renting, and everything that comes next.
Start your free 7-day trial →27,000+ reviews on
7-day free trial, then £2.99/week. Cancel anytime. Additional features may cost extra. Credit score improvements aren't guaranteed. Missing payments may harm your score.
*Based on a self-reported survey of 716 people, conducted September 2025.
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No credit history?
Let’s fix that.
No credit history?
Let's fix that
Loqbox and Blackbullion have partnered to bridge a genuine gap in the student finance journey: equipping you with the practical credit habits that will define your financial options long after graduation.
Whether it's a phone contract, renting your first flat, or getting a student credit card, lenders check your credit file before saying yes. No history often means rejections, higher deposits, or worse interest rates.
Loqbox helps you build your credit score from scratch, so you're set up for the financial wins that matter, now and in the future.
Build my credit score →Four ways to a
stronger score
Build your credit for £2.99 a week. Add savings, rent reporting, and smart money habits lenders love to see.
Grow your credit with an interest-free line of credit
Your £2.99 weekly membership (and any add-ons) is charged to this line of credit, which is activated when you join. Loqbox reports your membership payments to all three UK credit reference agencies (Experian, TransUnion, Equifax), helping you prove you can pay on time.
Build credit while you save
Save between £20 and £200 per month, and commit to saving for a year. Loqbox gives you an interest-free finance agreement for your annual pledge, and reports each monthly payment to the credit reference agencies as you go. This helps build your credit history and after 12 months, you get back what you’ve saved, a lump sum to put towards your goals.
Make your rent count
If you’re already paying rent, those payments could be doing more for you. Record them with Loqbox and we'll report them to Experian, strengthening your credit history and potentially improving your Experian credit score.
Gain the financial know-how you always wished for
Building a healthy credit profile takes good habits like paying on time and managing your credit wisely. We'll guide you with a personalised plan and practical tips.
Simple pricing.
No surprises.
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Start with a free 7-day trial. After that, it's just £2.99 a week (additional features cost extra, and are always clearly labelled).
No hard credit check.
Cancel anytime.
7-day free trial, then £2.99/week. Cancel anytime. Additional features may cost extra. Credit score improvements aren't guaranteed. Missing payments may harm your score.
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FAQs
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Better credit starts here.
Join thousands of people already building their credit with Loqbox. Start your free 7-day trial today.
7-day free trial, then £2.99/week. Cancel anytime. Additional features may cost extra. Credit score improvements aren't guaranteed. Missing payments may harm your score.
Get started, it's free for 7 days →
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