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Welcome to Loqbox Learn

Your guide to navigating the financial system, providing helpful tips along the way and helping you to enjoy a happier, healthier relationship with money.

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Checking your credit reports

When it comes to your financial health, your credit score is really important. So checking your credit reports is a good place to start when seeking to improve your financial health.

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Making yourself visible to the system

If you haven't managed to find your credit report, you might be 'invisible' to the system for some reason, meaning one or more CRA can't find you.

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Getting onto the electoral roll

Did you know that getting onto the electoral roll is one of the simplest ways to boost your creditworthiness?

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Your credit score explained

Getting your credit score in the best shape possible will help make sure you won’t be disappointed when it’s time to borrow.

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Your first step to a better credit history

For a brighter credit future, you need to understand where you are right now. If you’ve recently been refused credit, you may be wondering why that has happened.

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Setting a savings goal

Whether it’s a boiler breakdown or a family emergency, savings can cushion the blow of that unexpected bill. Building a savings pot is an important step to healthy finances. Follow our tips to get started.

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Bank account cheat sheet

Our handy bank accounts cheat sheet breaks down every type of account, arming you with the know-how you need to choose the best way to look after your money.

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Four pillars of good money management

There are four pillars of good money management. These are: saving, spending, earning and giving. All your personal finance decisions fit into one of these four groups. Read on to learn more.

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Better budgeting with the 50/20/30 rule

The 50/20/30 rule helps you budget better by splitting your spending into three categories: living expenses and essentials, financial goals, and lifestyle. Here's the idea…

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For just £2.50 a week, you could see your credit score rise by up to 300 points in the first three months

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Improvements to your credit score are not guaranteed

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Understanding everything banks can do for you

The bank. A big building where your wages go that dispenses cash out of the wall, right? But what about the other helpful services you could be using?

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Finding and fixing mistakes on your credit reports

Once you’ve checked your credit reports online, it's time to check for potentially damaging inconsistencies. Why? Because mistakes on your credit reports can cause problems if and when you decide to apply for a loan, credit card or mortgage.

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Beginner’s guide to borrowing money

For those of us who have never borrowed money before, the world of credit can be very confusing. That’s why we created this complete beginner’s guide to borrowing money; to help you out by making it easier to understand. Let’s dig in.

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Understanding different forms of credit

The better you understand your credit report, the better equipped you'll be to spot potential problems. So let’s take a closer look at the different forms of credit you might find on your credit report. And remember, if you find any mistakes, you should always contact the relevant CRA right away.

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What lenders look for during a credit check

Growing and maintaining a good credit score is something we should all be doing to make sure we have access to the financial resources we need to achieve our goals. But, it’s also important to understand what lenders look at when deciding whether or not to approve our loan or credit application.

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The home buying process mapped out

Buying a home is one of the biggest moments in many people’s lives. Whether you’re starting to think about buying a home, or you’ve made the decision and now you’re looking at how, understanding the process is really important.Join us as we map out the journey that first-time buyers take when they become homeowners.

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Understanding different types of credit check

A credit check is what happens when someone checks your credit report to get an idea of your creditworthiness. But did you know there are different types of credit check for different things?Here's what you need to know about the two main types of credit check.

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Understanding what else makes up your credit report

We've already talked about what credit data is on your credit history but what about other data? It all matters, which is why today we are going to be looking at what other data makes up your credit file.

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Understanding how credit cards can build credit history

Thanks to Loqbox, you're hopefully now well on the way to building your credit history.But could a credit card help too? The short answer is yes. Let's see how it works.

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Getting your insurance in shape

Having something saved for a rainy day is great if you find yourself in a tight spot. But insurance could save you from having to dip into your emergency savings. While you probably don't need to insure everything in your life, there are a handful of insurance types that you really shouldn't be without.

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Understanding key banking terms

Banking speak can feel confusing, but getting to know the basics can help you stay in control of your finances.Get to grips with financial gobbledygook using our banking jargon buster.

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Understanding key saving terms

Understanding the key terms around savings can help you to choose products and make decisions that can help you make the most of them! So let’s decode the acronyms and phrases around savings with our jargon buster.

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Understanding key borrowing terms

The language of borrowing can be some of the most confusing of all. Let's make sure you have a handle on the basics. How many of the important terms around credit and borrowing do you know?

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A-Z of understanding credit

Ever wondered what APR, gross and net profit, and compound interest really mean? The world of finance is full of jargon that makes money and credit difficult to wrap our heads around. Don’t worry though, Loqbox has broken it down in an easy A to Z of understanding credit.

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The golden rules of credit building: What affects your credit score and how to improve it

The do’s and don’ts of credit building. Understand what affects your credit score in a positive way.

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How low credit utilisation can help build your credit score

Learn exactly what credit utilisation is, why your ratio matters, and how to use it to improve your credit score.

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Improvements to your credit score are not guaranteed

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©2023 Loqbox Technology UK Limited – Registered in England and Wales, Company Registration number: 07916178.

Loqbox Technology UK Limited is authorised and regulated by the Financial Conduct Authority, FRN 694919. Registered address: Henleaze Business Centre, Henleaze, Bristol BS9 4PN.

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 a credit broker not a lender, working with selected lenders. Loqbox credit products are provided by Loqbox Finance which is the trading name of DDC Financial Solutions Limited. Loans are provided with 0% APR (interest free). Lines of credit are provided with 0% APR (interest free). You must be 18 years or older to use Loqbox. Terms and conditions apply.

Loqbox products provided before 1st April 2021 were provided by Loqbox Savings Limited, with Company registration number 10583182 and registered address at Henleaze Business Centre, Henleaze, Bristol BS9 4PN. Loqbox Savings Limited is registered with the Information Commissioner’s Office, registration number ZA229901. Funds are held for customers of Loqbox Savings Limited by Loqbox Trustee UK Limited and Loqbox Technology UK Limited who manage redemptions.

Improvements to your credit score are not guaranteed.

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