Pockit LOQBOX is designed to work over a series of 12 monthly payments. Make all 12, and you should see an increase in your credit score.
If you leave your Pockit LOQBOX early, you’re unlikely to see the full benefit. Particularly if you leave in the first few months. Most Pockit LOQBOX users see their credit score dip initially, before heading in the right direction. We call it the ‘Credit Tick’, and it’s totally normal. But, if you leave in the middle of the Credit Tick, you could leave Pockit LOQBOX with a lower credit score than you started with.
If you miss a Pockit LOQBOX payment, we’d have to report it to the CRAs, which would harm your credit score. But you can always unlock to avoid missing a payment, so this should never happen.