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Is credit24.lv a Scam? Security Check Results - SIA IPF Digital Latvia

credit24.lv Security Report Summary

credit24.lv received a security score of 54 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers SIA IPF Digital Latvia's website security posture. SIA IPF Digital Latvia operates in the Finance industry in Latvia.

Credit24 is a Latvian-based consumer credit provider offering flexible credit lines up to 7000 EUR with no commission fees and fast disbursement times. The company operates under SIA IPF Digital Latvia and holds a valid consumer credit license, serving primarily Latvian consumers with an easy online application process. The website is built on modern React technology with integrated analytics and tracking tools, providing a good user experience and mobile optimization. Security measures such as HTTPS and security headers are properly implemented, and privacy compliance is addressed with comprehensive policies and consent mechanisms. Overall, Credit24 demonstrates a mature digital presence with strong business credibility and security posture.

The security scan identified 36 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Google Tag Manager, Hotjar, TikTok Pixel, Facebook Pixel, Bing Ads.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is credit24.lv Safe? Security Analysis for SIA IPF Digital Latvia

https://credit24.lv

Check if credit24.lv is a scam or legitimate. Free security scan and reviews.

FinanceLatviamedium
ReactGoogle Tag ManagerHotjarTikTok PixelFacebook Pixel+1 more
Analyzed 6/26/2025Completed 10:52:01 PM9mo ago
54
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domaincredit24.lv
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Credit24 is a Latvian-based consumer credit provider offering flexible credit lines up to 7000 EUR with no commission fees and fast disbursement times. The company operates under SIA IPF Digital Latvia and holds a valid consumer credit license, serving primarily Latvian consumers with an easy online application process. The website is built on modern React technology with integrated analytics and tracking tools, providing a good user experience and mobile optimization. Security measures such as HTTPS and security headers are properly implemented, and privacy compliance is addressed with comprehensive policies and consent mechanisms. Overall, Credit24 demonstrates a mature digital presence with strong business credibility and security posture.

Detected Technologies

ReactGoogle Tag ManagerHotjarTikTok PixelFacebook PixelBing Ads

13 urgent findings need attention

1 critical · 12 high

  • + 5 more findings in the full report below
Continuous monitoring

Keep credit24.lv under constant watch

Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

8 findings

25/100

GDPR Compliance

5 findings

10/100

NIS2 Compliance

8 findings

7/100

Email Security

6 findings

55/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Credit24 holds a solid market position in the Latvian consumer lending sector, supported by its parent company IPF Digital Group LTD and multiple subsidiaries across Europe and Australia. The business model focuses on online credit lines with flexible usage and repayment options, targeting consumers seeking quick and convenient credit solutions. The company leverages partnerships with Creditea for mobile app management and cross-border operations. The website content and structure reflect a professional approach with clear service offerings and regulatory compliance, indicating a stable and growth-oriented operation.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

SIA IPF Digital Latvia

VAT Number:

LV50003913651

Registration Number:

50003913651

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a good security maturity level with enforced HTTPS, presence of key security headers, and no visible exposure of sensitive data. Consent management for cookies and tracking is integrated, supporting GDPR compliance. However, explicit security policy and incident response information are not found, representing an area for improvement. No vulnerabilities or outdated libraries were detected in the analysis. The use of multiple third-party analytics and advertising scripts requires ongoing monitoring to mitigate potential risks.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page detailing security controls and practices.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

SIA IPF Digital Latvia

Description:

Credit24 offers consumer credit services including credit lines up to 7000 EUR with flexible repayment terms and no commission fees. The service is designed for individuals needing quick and convenient loans without collateral.

Key Services:
Credit lineCredit consolidationMobile app credit management
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
ReactGoogle Tag ManagerHotjarTikTok PixelFacebook PixelBing Ads
Frameworks:
React
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • No exposed credentials in HTML
  • Consent management integrated
  • Secure forms with login

Analytics & Tracking

Services:
Google AnalyticsHotjarTikTok AnalyticsFacebook Analytics
Tracking Level:extensive
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google AdsBing AdsAdformAppDynamics
Tracking Pixels:
Facebook PixelTikTok PixelHotjar
Marketing Tools:
Hotjar
Transparency Level:good

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is fully accessible with no blocking or WAF challenge

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

25/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=3600; includeSubDomains"

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

10/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, Google Ads

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

7/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

Critical sector without clear security compliance

HIGH

Detected sectors: transport, banking, digital

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

55/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

No DMARC reporting

LOW

DMARC aggregate reports not configured

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:spf.protection.outlook.com include:cust-spf.exacttarget.com include:sendsmaily.info include:smlypro.info a:auth-smtp.nebula.fi a:mailserver.mobilecredit.fi -all
DNS Lookups:6/10
Policy:-all
DMARC Details
Policy:none

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

82/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

65/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

Domain Registration Details

Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:45.60.62.10, 45.60.107.10
Name Servers:
ns-1327.awsdns-37.org
ns-1639.awsdns-12.co.uk
ns-484.awsdns-60.com
ns-644.awsdns-16.net
MX Records:
0: credit24-lv.mail.protection.outlook.com
10: mailscan.nebula.fi
SOA:Serial: 1, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:71ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com include:cust-spf.exacttarget.com include:sendsmaily.info include:smlypro.info a:auth-smtp.nebula.fi a:mailserver.mobilecredit.fi -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does credit24.lv compare?

See how credit24.lv stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is a React-based single-page application with integration of Google Tag Manager, Hotjar, TikTok Pixel, Facebook Pixel, and Bing Ads for analytics and marketing. The site uses modern JavaScript bundles and CSS with responsive design for mobile devices. Performance is moderate, with potential for optimization. SEO is supported by proper meta tags and structured data, though FAQ schema is empty. Hosting provider details are not explicit. The technical stack is modern and aligns with industry standards, but continuous performance and security audits are recommended to maintain operational excellence.
Professional PDF & Marketing Data

Download the credit24.lv report as PDF

Get the complete analysis in a shareable PDF format, delivered instantly to your email with lifetime access.

PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domaincredit24.lv
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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