Skip to main content

Is creditreform.lv a Scam? Security Check Results - SIA “CREDITREFORM Rating”

creditreform.lv Security Report Summary

creditreform.lv received a security score of 64 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers SIA “CREDITREFORM Rating”'s website security posture. SIA “CREDITREFORM Rating” operates in the Finance industry in Latvia.

Creditreform.lv represents a well-established Latvian credit information provider operating since 1995. The company offers comprehensive business information services including credit reports, monitoring, marketing data, and credit scoring tools such as CrefoScore. The website reflects a professional business model targeting B2B clients seeking reliable financial data on Latvian and international companies. The site is integrated with partner services for debt collection and online portals, enhancing its service ecosystem. Technically, the website uses a modern but straightforward technology stack including jQuery, Owl Carousel, and Google Fonts. The site is mobile optimized with good navigation and content structure, though accessibility features are basic. No CMS or hosting provider details are evident. Performance is moderate with no major technical issues detected. Security posture is adequate but could be improved by adding security headers and publishing explicit security policies. No vulnerabilities or exposed sensitive data were found in the HTML content. Privacy compliance is strong with clear GDPR and cookie policies and consent mechanisms. Contact information and company registration details are transparently provided, supporting business credibility. Overall, the site presents a trustworthy and professional front for Creditreform’s credit information services. The lack of WHOIS data limits domain trust analysis, but the business and website content align well with a legitimate financial service provider. Strategic improvements in security headers, accessibility, and incident response transparency would enhance the security posture and trust further.

The security scan identified 29 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery 3.4.1, Owl Carousel, Vanilla Notify, bodyScrollLock, Google Fonts (Open Sans).

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.

creditreform.lv favicon

Is creditreform.lv Safe? Security Analysis for SIA “CREDITREFORM Rating”

http://creditreform.lv

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

FinanceLatviamedium
jQuery 3.4.1Owl CarouselVanilla NotifybodyScrollLockGoogle Fonts (Open Sans)
Analyzed 6/27/2025Completed 3:18:15 PM9mo ago
64
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

Security teams trust us

EveryPay

Secure checkout

Instant

Reports delivered

Professional PDF & Marketing Data

Get the professional PDF report for creditreform.lv

Export this security analysis as a professional PDF document, receive it via email, and access marketing intelligence data including contact emails and phone numbers. One-time purchase for 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

Domaincreditreform.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

Creditreform.lv represents a well-established Latvian credit information provider operating since 1995. The company offers comprehensive business information services including credit reports, monitoring, marketing data, and credit scoring tools such as CrefoScore. The website reflects a professional business model targeting B2B clients seeking reliable financial data on Latvian and international companies. The site is integrated with partner services for debt collection and online portals, enhancing its service ecosystem. Technically, the website uses a modern but straightforward technology stack including jQuery, Owl Carousel, and Google Fonts. The site is mobile optimized with good navigation and content structure, though accessibility features are basic. No CMS or hosting provider details are evident. Performance is moderate with no major technical issues detected. Security posture is adequate but could be improved by adding security headers and publishing explicit security policies. No vulnerabilities or exposed sensitive data were found in the HTML content. Privacy compliance is strong with clear GDPR and cookie policies and consent mechanisms. Contact information and company registration details are transparently provided, supporting business credibility. Overall, the site presents a trustworthy and professional front for Creditreform’s credit information services. The lack of WHOIS data limits domain trust analysis, but the business and website content align well with a legitimate financial service provider. Strategic improvements in security headers, accessibility, and incident response transparency would enhance the security posture and trust further.

Detected Technologies

jQuery 3.4.1Owl CarouselVanilla NotifybodyScrollLockGoogle Fonts (Open Sans)

9 urgent findings need attention

1 critical · 8 high

  • + 1 more findings in the full report below
Continuous monitoring

Keep creditreform.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

25 €
per month · billed securely via EveryPay
Less than 1 € / day — cheaper than a single incident response hour

Cancel anytime. Alerts sent to the contacts you choose. Unlock the full report to view historical timelines and alerts.

Purchase to access the monitoring timeline, JSON diffs, alert history, and PDF export for creditreform.lv.

Security Headers

3 findings

80/100

GDPR Compliance

3 findings

40/100

NIS2 Compliance

9 findings

2/100

Email Security

4 findings

75/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

Creditreform.lv holds a strong market position in Latvia as a trusted credit information provider with a history dating back to 1995. Its competitive advantage lies in its comprehensive credit data offerings, unique credit scoring tool CrefoScore, and integration with an international Creditreform network spanning 22 countries. The business model focuses on B2B services providing financial risk assessment and monitoring tools to companies. Revenue streams likely include subscription access to credit reports, monitoring services, and consulting. The partnership with B2 Impact for debt collection indicates strategic outsourcing to focus on core competencies. The target customers are businesses requiring reliable credit and financial data for decision-making. The website’s clear branding, professional content, and transparent contact details support a credible market presence. Growth opportunities may include expanding digital services and enhancing data analytics capabilities.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

SIA “CREDITREFORM Rating”

VAT Number:

LV40003807493

Registration Number:

40003807493

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a moderate security maturity level. HTTPS is presumed enabled though not explicitly confirmed in the HTML content. No security headers were detected in the provided data, indicating room for improvement in HTTP security configurations. The site does not expose sensitive data or vulnerable libraries in its HTML. Privacy policies and cookie consent mechanisms are implemented, supporting GDPR compliance. However, there is no visible incident response or security policy documentation, nor a vulnerability disclosure or security.txt file. The absence of security certifications or explicit frameworks suggests a basic security culture. To enhance security posture, the organization should implement recommended security headers, publish incident response and vulnerability disclosure policies, and regularly audit third-party components. These steps will reduce risk and improve trustworthiness.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement comprehensive HTTP security headers including Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-Content-Type-Options.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

SIA “CREDITREFORM Rating”

Description:

Creditreform is a trusted credit information provider in Latvia operating since 1995, offering business information, credit history, and data services. It provides financial status and creditworthiness reports on Latvian and foreign companies via the CrediWeb portal, including the CrefoScore tool for assessing payment ability.

Key Services:
Credit information reportsMonitoring servicesMarketing and company selectionFamily tree dataInformation on private personsCrefoScore credit scoring
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQuery 3.4.1Owl CarouselVanilla NotifybodyScrollLockGoogle Fonts (Open Sans)
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

basic

Security Assessment

Security Score:
70/100
Best Practices:
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics & Tracking

Tracking Level:minimal
Privacy Compliance:good

Advertising & Marketing

Transparency Level:poor

Website Quality Assessment

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

Key Observations

1

Website content is fully accessible and not blocked by WAF or security challenges.

Get this report delivered to your inbox

Receive a summary of the creditreform.lv security findings by email. Quick and easy to share with decision makers.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

80/100
Score

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

40/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

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, Google APIs

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy85% 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: transport, banking, digital

Need this report as a PDF?

Download the complete creditreform.lv security analysis as a professional PDF. Share it with your team, clients, or stakeholders.

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

75/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

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 mx ip4:159.148.17.185 ip4:85.254.3.99 ip4:85.254.3.17 ip4:85.254.3.142 ip4:85.254.3.98 a:mail.creforating.lv a:crefomail 01.creforating.lv a:mail.creditreform.lv include:spf.protection.outlook.com -all
DNS Lookups:5/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
DMARC Details
Policy:none
Aggregate Reports:admin@creditreform.lv

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

67/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Mixed Content Detected

MEDIUM

1 resources loaded over insecure HTTP

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 Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

70/100
Score

Insufficient Name Servers

MEDIUM

Domain has only 1 name server (minimum 2 recommended)

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

DNS Records

A Records:159.148.17.184
Name Servers:
ns.crediweb.lvDNS only
MX Records:
10: creditreform-lv.mail.protection.outlook.com
SOA:Serial: 1750229466, TTL: 2560s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:91ms

SPF Analysis

SPF Record:
v=spf1 mx ip4:159.148.17.185 ip4:85.254.3.99 ip4:85.254.3.17 ip4:85.254.3.142 ip4:85.254.3.98 a:mail.creforating.lv a:crefomail 01.creforating.lv a:mail.creditreform.lv include:spf.protection.outlook.com -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 creditreform.lv compare?

See how creditreform.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 classic front-end stack with jQuery 3.4.1, Owl Carousel for sliders, and Vanilla Notify for notifications. Google Fonts (Open Sans) are used for typography. The site does not appear to use a CMS or complex backend frameworks based on the HTML content. Performance is moderate with autoplay carousels and some deferred scripts. Mobile optimization is good with responsive meta tags and mobile-specific CSS. Accessibility is basic with no ARIA landmarks or advanced features detected. SEO is basic with meta description and keywords but no Open Graph or JSON-LD structured data found. The site could benefit from modernizing its tech stack, improving accessibility, and adding structured data for better search engine visibility.
Professional PDF & Marketing Data

Download the creditreform.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

Domaincreditreform.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

Scan your own website

Liked the creditreform.lv report? Run the same comprehensive security analysis on your domain — free, instant, and no sign-up required.

Or browse our directory of >10,000 scanned websites.

⭐ Verified Community Reviews

What others say about creditreform.lv

Share your experience to help others make informed decisions. We verify every review by email and publish it once our moderation team approves it.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

out of 5

0 reviews published

Loading reviews…

How did we do?

Your feedback directly shapes our roadmap. Rate the quality of this report, leave an optional comment, and let us know if you want our security specialists to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.

Analyze Another Website