The Credit Information Governance Body (CIGB) has been contacting lenders to discuss subscriptions. And the most frequent question I am getting is, “Is this a scam?” Followed by, “Do I need to sign, and what will it cost?” No, it is not a scam. Yes, you most likely need to sign up. The fee is a little more complicated. If you contribute to or access CRA data, you will need a subscription to continue accessing it.