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Loqbox Score hub

Loqbox helps you on your home buying journey by helping you save and improve your credit score with all three of the UK's main Credit Reference Agencies (Equifax, Experian, and TransUnion).
Credit building
February 26, 2025
How opening a new bank account can impact your credit score
Your bank account is like the beating heart of your finances. So whether you’re opening your first current account, or switching to a new one for rewards or better interest rates, you might be wondering: “Will opening a new bank account affect my credit score?” Loqbox is here to help you get the answers you need.
Credit building
December 17, 2024
How much does a CCJ affect your credit file?
At Loqbox, we know that facing a County Court Judgement (CCJ) can be a challenging experience. You might already know that having a CCJ affects your credit score, and you might have discovered the impact it can have on your creditworthiness. But we’re here to tell you that there is still hope if you have a CCJ on your credit report.
Credit building
September 1, 2025
Credit scores and inflation: Protect your credit score
It’s a turbulent time for our personal finances, with rising inflation and a cost of living crisis. So, whether you’re worried about how inflation rates impact your credit score and credit cards, or if you’re wondering if credit unions are safer than banks during a recession, Loqbox will try to shed light on the issue.
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Credit building
April 2, 2025
How does a late payment affect your credit score?
Late payments can sometimes sneak up on us, but understanding how late payments on credit reports affect your credit score is crucial for maintaining a healthy financial reputation. But does a late payment affect credit scores, how long do late payments stay on credit reports, and what about removing late payments from credit reports? Loqbox gets into it.

We're here to help you feel better
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credit score

Gain the financial know-how you always wished for

Enjoy a happier, healthier relationship with money

We're here to help you feel better about your finances

Build your credit score
Gain the financial know-how you always wished for
Enjoy a happier, healthier relationship with money
Join now

We're here to help you feel better about your finances

Build your credit score
Gain the financial know-how you always wished for
Enjoy a happier, healthier relationship with money
Join now
Categories
Debt and borrowing
Making money
Students & young people
Moving to the UK
Homes & mortgages
Budgeting
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Latest posts

Nov 10, 2022
Good credit score but refused a loan or finance? Here’s why
So, you’ve managed to get your credit score where you want it. You get that warm fuzzy feeling of achievement as you see the credit rating dial swing way into the green.
Homes & mortgages
Nov 10, 2022
Does selling your house affect your credit score?
There are lots of reasons that you might be selling your house. Maybe you’re planning to buy a new one, downsizing to a smaller property, or prefer to rent instead of paying a mortgage so a landlord can deal with maintenance responsibilities.
Budgeting
Nov 1, 2022
Personal loans and their effect on credit score
With the cost of living rising, energy bills at record highs, and money stresses creeping up on us all – you may find yourself looking at your bank account wondering how you’ll manage the cold winter months ahead. If you don’t have an emergency fund in place (and over half of UK adults don’t), you may even be feeling like you have no choice but to take out a personal loan to help you manage.
Credit building
Oct 31, 2022
Can rent affect your credit score?
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©2025 Loqbox Technology UK Limited – Registered in England and Wales, Company Registration number: 07916178.

Loqbox Technology UK Limited is registered with the Information Commissioner’s Office, registration number: Z3176777.

Loqbox™ is a trademark of Nooli UK Limited and used under license by Loqbox Technology UK Limited.

Loqbox Technology UK Limited is authorised and regulated by the Financial Conduct Authority (FRN 694919) for certain regulated activities. Registered office at Henleaze Business Centre, Henleaze, Bristol BS9 4PN. Some services we provide are not regulated by the FCA. Information about the regulatory status of our products and services can be found at https://www.loqbox.com/en-gb/regulatory-status.

DDC Financial Solutions Limited – Registered in England and Wales, Company Registration number: 07586243. DDC Financial Solutions Limited (trading as Loqbox Finance) is authorised and regulated by the Financial Conduct Authority (FRN 678579) registered office at Henleaze Business Centre, Henleaze, Bristol BS9 4PN.

Loqbox is only available to residents of the United Kingdom, Channel Islands and Isle of Man aged 18 and over. Terms and conditions apply.

Improvements to your credit score are not guaranteed. Missing payments to Loqbox or other credit accounts may harm your score.

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