We report to
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The New Standard
In Credit Building

Use recurring expenses to boost your credit score.
✓  Simple
✓  Affordable
✓  Innovative

Making regular spending Count​

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

Membership is from only £4.99 per month, and you can cancel at any time. 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 50% of your credit score learn more.


Payment History


Account Utilization


Account Age



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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.

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How CRS works




Find Your Payments


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


Report Your Payments


We facilitate a connection with the credit bureaus so that your payments are reported

Build Up Your Report


Each payment is reported on your credit file.

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Our Commitment

We're the real deal.


CRS is committed to protecting our clients and ensuring their success. We are regulated by the Financial Conduct Authority and are an authorised data provider for the major credit bureaus that calculate your credit score


No Nonsense.


Every payment you make is recorded in your credit history. We do everything for free, with no interest or costs.

We take your privacy very seriously.


For us, the safety of you and your family comes first. We protect your information with bank-level encryption and never sell it to other parties.

Your money, on your terms.


Build your credit so you can get the best rates for loans, vehicle finance, credit cards, mortgages etc.

Get your app today and begin

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Built with you in mind.



We approach credit differently.

The credit system today is outdated and broken, so we decided to take a whole new approach to credit and we want you to be a part of it.

Success stories from people using CRS

Watch our case studies and discover the huge difference CRS has made to people across the UK.


Get your app


Begin today to build your credit

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