Also known as: CRS; CRS Credit Resource Solutions; payCRS
Credit Resource Solutions Limited (CRS) is a UK debt collection company that operates the PayCRS brand. It provides debt collection services to businesses including utilities, retailers, local councils, and financial services companies. CRS typically acts as a collection agent on behalf of creditors rather than purchasing debts itself.
If you receive letters or calls from CRS or PayCRS, it means a company you have an unpaid debt with has asked them to contact you. The correspondence should tell you who the original creditor is and what the amount relates to.
CRS is regulated by the Financial Conduct Authority and must follow rules on fair treatment of customers. They must communicate clearly and respectfully, provide accurate information about the debt, and tell you about free debt advice services.
You have the right to ask for written confirmation of the debt including the original account details. If you dispute the debt, put this in writing and CRS must investigate. If the dispute is genuine, they must refer it back to the company they are collecting for.
If you owe the debt and are struggling to pay, you can contact CRS to agree an affordable payment plan. Free debt advisers at StepChange and National Debtline can help you prepare for this and make sure you only agree to something you can genuinely afford.
Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. Their websites also have online advice tools available at any time.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Credit Resource Solutions Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Debt collection; Debt recovery; Consumer credit management
Trading names and group notes
No confirmed group parent as of June 2026. Registered in England and Wales.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.4
Approx. 3,256 reviews
Other review sources
payCRS rated 'Excellent' on Trustpilot with 4.4/5. Customers praise simplicity and affordable repayment options.
Overall public sentiment
Mostly positive. High Trustpilot score. Some negative reviews about credit score impacts and disputed debts.
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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