When is it possible that CRS isn't the greatest fit for me?

We're committed to providing a service that helps our members save money and building their credit history. Please do not use CRS if any of these apply to you since we may not be able to help you.

In the previous 12 months, you received a CCJ?

In the previous 12 months, you had an IVA?

In the last 12 months, you declared bankruptcy.

Like any other credit product, a credit score improvement programme like CRS contains risk and may not be the best option for you. If you do not pay your CRS membership fees on time or repay any credit we extend to you on time, CRS can harm rather than help your credit score.

Furthermore, even if you pay all of your CRS bills on time, there are situations when using CRS will improve your score but will not be a good investment for you. Here are a few examples of scenarios like this:

1. If you've had a CCJ in the recent 12 months,

2. Or if you've been placed on an IVA or a debt management plan in the last 12 months, you may be eligible.
3. If you're going through a bankruptcy.
4. If you owe any obligations or have any outstanding invoices.
5. After you join CRS, if any of the foregoing apply to you.

You should avoid using CRS to increase your credit score if any of the aforementioned apply to you. This is because many lenders will refuse to provide you credit if you have such markings on your credit file, even if your credit score improves.