If the cracking is due to the toner flaking off of the toner transfer paper before you get it ironed onto the PCB, then you may find this to be a useful tip. I had this problem when using HP photo inkjet paper. Then I found that if I wipe the paper with a cloth dampened with methyl alcohol, it takes enough of the glaze off of the paper to make the toner stick much better. The paper doesn't look any different after doing this, but the toner sticks really well, and I've never had any more toner flaking issues since I've started doing this.
You don't need to get the paper really wet, and obviously you must let it dry before putting it through the printer.
You don't need to get the paper really wet, and obviously you must let it dry before putting it through the printer.