Credit Factor.png
Credit Factor.png

The New Standard
in Credit Building

Use recurring expenses to

boost your credit score.

* Simple

* Affordable

* Innovative

maxresdefault (1).png
subscriptions copy.png

Making regular spending Count​

Previously, payments such as your monthly Council tax bill, Netflix, Spotify, and Apple Music had no influence on your credit score. CRS is now putting them to work. 

We report your on-time payments to all three major credit bureaus (Equifax, Experian and Transunion) which helps establish or boost your credit score.

CRS addresses three key factors that determine 80% of your credit score learn more.

Screenshot 2021-09-23 at 23.32.14.png


Payment History


Account Utilization


Account Age



Screenshot 2021-09-23 at 23.32.14.png

Please keep in mind that CRS cannot promise that your credit score will improve as a result of your membership. More information about when CRS might not be the best option for you can be found here. For free independent financial advice, go to

Boost Payment history (35% Of Your Credit Score)

Your monthly payments are reported to the main credit bureaus. Each one contributes to your payment history, as well as your credit score.

Optimize Credit Utilization (30% Of Your Credit Score)

The lower your credit utilisation to credit limit ratio, the better. The Credit Account has exceptionally low use rates, as low as 2%.

Grow Average Account age (15% Of Your Credit Score)

It's preferable if your accounts are older. Because the Credit Account never expires, you can keep it open indefinitely to boost your average account age.


How CRS works

No hidden fees.
No credit required

The cost of membership is £9.99 per month, and you can cancel at any moment.

CRS reports to Experian, Equifax, and Transunion to ensure that our clients receive the best possible service. This costs £9.99 a month and contributes to CRS's ability to cover the costs of delivering the service.

1. Find Your Payments

We start by securely connecting to your bank account to identify your rent & utility payment

3. Build Up Your Report

Each of your positive payments is reported on your credit file.

2. Report Your Payments

Next, we facilitate a connection with the credit bureaus so that your payments are reported



How CRS works?

CRS is a brand-new subscription service that makes it simple to improve your credit score. As a member, we record all of your good membership payments to the credit bureaus. Each good payment that is thereafter entered on your credit file contributes to the building and improvement of your credit score. You can cancel at any moment. The longer you are a member, the more credit history you build.

Can I change the date I'm charged for my membership?

We are unfortunately unable to adjust the date you are charged in order to appropriately report to Credit Reference Agencies. We're considering how we can accommodate future date adjustments.

How do I check my membership?

If you're already a member of CRS, you can access your account at any time. You may examine your account history, previous payments and when they were reported to your credit file, as well as your membership data, all from within your account. Simply click the log in button.


See More FAQ Answered

Our Partners


Are you ready to take your credit building to the next level?