Complete scam. Your credit does go up but only for a month or so and then goes back down. At the end of the year you get told you have to pay £30 to withdraw your money or open a new bank account with their partners. The bank accounts do a credit check (which if you’re having to use Loqbox you’re probably going to fail) so then you end up with a rejection on your record AND can’t get your money! Awful company and feeling really stressed at how sneaky and wrong this business is. Avoid at all costs!