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Domain Due Diligence
Report for Cred.ai

Report Date October 17, 2025
Recommendation
Caution
Overall Summary
Suspicious
Why we think so

cred.ai is a fintech company offering credit and banking products, including a credit/debit hybrid card called the Unicorn Card. The domain is active since 2017, uses reputable hosting and finance-related technologies, and shows moderate web traffic predominantly from the United States. Official contact emails and phone numbers are public, and their business location is listed in Philadelphia, PA. Trademark checks show multiple live trademarks for the name 'Cred' related to various industries but no marked conflicts here. There are no listings on crypto scam or Google Safe Browsing blacklists. However, consumer reviews on Better Business Bureau reveal recurring complaints about poor customer service, delayed dispute resolution, account freezes, and misleading advertising claims. Still, no confirmed evidence of fraudulent operations or criminal activity was found. The company's score and signals suggest it is legitimate but carries risk due to reported service issues.

Confidence Score
70%

Risk Insights

🛡️

Long-standing domain and solid hosting

Domain active since 2017
Hosted on Amazon AWS and Cloudflare
Strong technical foundation indicates legitimacy
⚠️

Customer Service Concerns

Multiple BBB complaints about slow dispute resolution
Account freezes and poor communication reported
May cause user frustration and risk of fund access issues

Contradictory Signals

While infrastructure is robust, customer experience reports undermine trust.

Signal A: Domain and tech signals show legitimate infrastructure

Signal B: User reviews reveal poor service and disputed reliability

Category Scores

Identity 75/100
Reputation 40/100
Technical 85/100
Content 70/100
Legal 60/100
Business Validity 70/100

Red Flags & Warnings

  • Repeated user complaints about poor customer service, frozen accounts, and slow dispute handling reduce trust.

🔎 Detailed Checks & Analysis

Domain Identity and Registration

Score: 80/100
Passed

"No privacy or suspicious registrant issues found; long-term registration."

Reason: Domain is registered since 2017 with a reputable registrar and stable WHOIS data.

Technical Infrastructure

Score: 85/100
Passed

"Technologies and server setup consistent with legitimate fintech websites."

Reason: Uses trusted infrastructure and cloud hosting like Amazon AWS and Cloudflare.

Reputation and User Feedback

Score: 40/100
Failed

"No confirmed fraud found, but poor service damages reputation."

Reason: Numerous complaints about customer service and account issues exist.

Blacklist and Abuse Signals

Score: 90/100
Passed

"No detected malware, phishing or scam flags."

Reason: Domain not flagged by crypto scam or Google Safe Browsing lists.

Business Validity and Contact Transparency

Score: 70/100
Passed

"Google Places listing with confirmed location and phone."

Reason: Physical business address and multiple official contacts are publicly available.

Your Next Steps

  • 1
    Exercise caution using cred.ai services especially if reliable account access is critical.
  • 2
    Verify transaction details and monitor account activity closely.
  • 3
    Check user feedback from multiple sources before engaging.
  • 4
    Report unresolved issues or suspected fraud promptly to consumer protection agencies.
  • 5
    Seek alternatives if customer service responsiveness is important to your needs.

Evidence & Citations

🕵🏻 Keep investigating

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