Why can’t I see Loqbox on my credit report?

Being able to see ‘Loqbox’ on your credit report can be delayed due to the reporting process to the credit reference agencies (Experian, Equifax, and TransUnion).

Here's how the process works:
We gather and report all data at the conclusion of each month, encompassing activities from the previous month. For example, a payment made in January would be reported at the end of February.

After we submit this data in a comprehensive report to each credit reference agency, it generally takes about 20 days for them to validate the report and another 20 days to incorporate the data into the appropriate credit reports of our members.

Due to this processing time, the appearance of the first payment on your report might take a bit of time. However, once we successfully report the first payment, a record is established on your credit report. This presence initiates the reporting process for subsequent updates. As soon as the record is integrated into your report, it should become visible during your next credit report refresh.

It's important to recognise that when you access your credit report, you're often viewing a snapshot that's not in real-time. Instead, it's a snapshot usually taken once a month. When you review the report, you'll likely encounter the 'report date,' which indicates when the report was generated.

If you have further inquiries or require clarification, please don't hesitate to contact us. Your credit journey is significant to us, and we're here to guide you through the process.