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Is crediton.lv a Scam? Security Check Results - CreditOn.lv

crediton.lv Security Report Summary

crediton.lv received a security score of 55 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers CreditOn.lv's website security posture. CreditOn.lv operates in the Finance industry in Latvia.

CreditOn.lv is a Latvian-based online lending platform established in 2007, offering short-term loans and credit lines to consumers aged 20 to 75. The company operates transparently with clear terms and a strong focus on customer trust and data security. It has a significant market presence in Latvia and several international subsidiaries, indicating a mature and expanding business model. The website is professionally designed with good content quality, clear navigation, and mobile optimization, supporting a positive user experience. Technically, the site uses modern JavaScript libraries and analytics tools, though it appears to be custom-built without a common CMS. Security posture is good with HTTPS enforced and secure login forms, but could be improved by adding explicit security headers and publishing security policies. Privacy compliance is well addressed with a visible cookie consent mechanism and a comprehensive privacy policy. Overall, the site demonstrates high business credibility and trustworthiness.

The security scan identified 35 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery, Select2, Pikaday datepicker, Google Analytics, Yandex Metrika, Hotjar, Genesys chat.

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 crediton.lv Safe? Security Analysis for CreditOn.lv

https://crediton.lv

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

FinanceLatviamedium
jQuerySelect2Pikaday datepickerGoogle AnalyticsYandex Metrika+2 more
Analyzed 6/26/2025Completed 10:53:18 PM9mo ago
55
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Order summary

Domaincrediton.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

CreditOn.lv is a Latvian-based online lending platform established in 2007, offering short-term loans and credit lines to consumers aged 20 to 75. The company operates transparently with clear terms and a strong focus on customer trust and data security. It has a significant market presence in Latvia and several international subsidiaries, indicating a mature and expanding business model. The website is professionally designed with good content quality, clear navigation, and mobile optimization, supporting a positive user experience. Technically, the site uses modern JavaScript libraries and analytics tools, though it appears to be custom-built without a common CMS. Security posture is good with HTTPS enforced and secure login forms, but could be improved by adding explicit security headers and publishing security policies. Privacy compliance is well addressed with a visible cookie consent mechanism and a comprehensive privacy policy. Overall, the site demonstrates high business credibility and trustworthiness.

Detected Technologies

jQuerySelect2Pikaday datepickerGoogle AnalyticsYandex MetrikaHotjarGenesys chat

13 urgent findings need attention

1 critical · 12 high

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

Keep crediton.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

7 findings

30/100

GDPR Compliance

5 findings

10/100

NIS2 Compliance

9 findings

2/100

Email Security

5 findings

70/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

CreditOn.lv holds a strong position in the Latvian consumer finance sector, leveraging an online platform to provide quick and flexible loan products without collateral. Its business model focuses on ease of access, transparent terms, and customer retention through favorable offers for repeat clients. The company benefits from a broad international footprint via subsidiaries in multiple countries, enhancing its market reach and operational scale. Partnerships with related financial service providers like Avafin further diversify its offerings. The presence of detailed customer testimonials and structured data ratings supports its reputation. The company targets Latvian residents needing fast credit solutions, emphasizing trust and clarity in its communications.

Extracted Contact Information

Marketing Intelligence Data

Physical Addresses (1)

Security Posture Analysis

Comprehensive Security Assessment

The website enforces HTTPS and uses SSL certificates, ensuring encrypted data transmission. Login forms are present and appear to be securely implemented. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options represents an area for improvement. No sensitive data is exposed in the HTML content, and no vulnerable or outdated libraries were detected. The site lacks a published security policy or incident response contact, which could enhance transparency and preparedness. Overall, the security posture is solid but could be strengthened by adopting additional best practices and formal disclosures.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and enforce security headers including CSP, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

CreditOn.lv

Description:

CreditOn is a stable company respecting consumer rights, guaranteeing data security, and operating under clear and understandable rules. It offers short-term loans and consumer credit products in Latvia.

Key Services:
Short-term loansCredit linesConsumer credit
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQuerySelect2Pikaday datepickerGoogle AnalyticsYandex MetrikaHotjarGenesys chat
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

good

Security Assessment

Security Score:
80/100
Best Practices:
  • HTTPS enforced
  • SSL secured indicated by lock icon and SSL logo
  • No exposed sensitive data in HTML
  • Secure login form with email and password fields

Analytics & Tracking

Services:
Google AnalyticsYandex MetrikaHotjar
Tracking Level:extensive
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
GoogleYandexFacebookMail RUMaxTrafficAdForm
Tracking Pixels:
Yandex MetrikaHotjar
Marketing Tools:
Genesys chat
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 challenges

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

30/100
Score

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, Twitter

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

2/100
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

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, 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

70/100
Score

No DKIM record found

MEDIUM

DKIM adds cryptographic signatures to emails

Strict DMARC Alignment

LOW

Strict alignment may cause legitimate emails to fail

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.creamfinance.com include:spf.protection.outlook.com -all
DMARC Details
Policy:quarantine
Aggregate Reports:dmarc@creamfinance.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

72/100
Score

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 45 days

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

HSTS Missing includeSubDomains

LOW

HSTS header does not include subdomains

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Certificate Details

Subject:www.crediton.lv
Issuer:WE1
Valid Until:8/11/2025 (45 days)
SANs:www.crediton.lv

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

70/100
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

Domain Registration Details

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

DNS Records

A Records:104.21.96.1, 104.21.32.1, 104.21.80.1, 104.21.16.1, 104.21.64.1, 104.21.112.1, 104.21.48.1
AAAA Records:2606:4700:3030::6815:3001, 2606:4700:3030::6815:7001, 2606:4700:3030::6815:4001, 2606:4700:3030::6815:2001, 2606:4700:3030::6815:1001, 2606:4700:3030::6815:5001, 2606:4700:3030::6815:6001
Name Servers:
albert.ns.cloudflare.com
leanna.ns.cloudflare.com
MX Records:
0: crediton-lv.mail.protection.outlook.com

DNSSEC Status

DNSSEC Not Enabled

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 crediton.lv compare?

See how crediton.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 uses a custom or proprietary platform with JavaScript libraries such as jQuery, Select2, and Pikaday for UI components. It integrates multiple analytics and marketing tools including Google Analytics, Yandex Metrika, Hotjar, and Genesys chat, indicating a mature digital marketing strategy. The site is mobile optimized and performs moderately well, though no explicit CMS or hosting provider information is available. The code includes AJAX calls and dynamic UI elements like loan calculators and date pickers, enhancing interactivity. There is room for improvement in accessibility and security header implementation. Overall, the technical infrastructure supports the business needs effectively but could benefit from modernization and enhanced security controls.
Professional PDF & Marketing Data

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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

Domaincrediton.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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