The most common and most likely answer to this crossword clue is the 10 plus 5 letter word BUSHTUCKER TRIAL
B
U
S
H
T
U
C
K
E
R
T
R
I
A
L
Buddy explains!
The straight part
We know that "Creepy-crawly lurks with it, but Cher’s collecting third of stars?" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case creepy-crawly lurks with it, but cher’s collecting third of stars? = bushtucker trial.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.