Is creditter.ru a scam?

{
  "domain": "creditter.ru",
  "scanId": "5b6ea5609f24451d882a4fa28035e431",
  "status": "completed",
  "indexable": false,
  "publicNotice": null,
  "completedAt": "2026-08-22T06:41:35.117Z",
  "ageDays": 21,
  "fresh": false,
  "verdict": "dangerous",
  "trustScore": 22,
  "badges": [
    {
      "name": "regulatory_tier1",
      "chain": "regulatory",
      "tier": 1,
      "maxTier": 4,
      "score": -70,
      "description": "Flagged by 1 financial regulator"
    },
    {
      "name": "cookie_security_tier3",
      "chain": "cookie_security",
      "tier": 3,
      "maxTier": 3,
      "score": -5,
      "description": "0% cookies secure"
    },
    {
      "name": "server_location_tier1",
      "chain": "server_location",
      "tier": 1,
      "maxTier": 1,
      "score": -3,
      "description": "Server in high-risk country"
    }
  ],
  "reachable": true,
  "unreachableReason": null,
  "category": "offline",
  "categoryReasoning": "The site is returning a 403 Forbidden error, indicating the server is rejecting access to the resource. The site is not accessible or functioning properly.",
  "regulatorFlagged": true,
  "regulators": [
    {
      "name": "CBR",
      "country": "RU",
      "url": "https://cbr.ru/inside/warning-list/detail/?id=47054",
      "warningDate": "2026-08-21T00:00:00.000Z"
    }
  ],
  "contacts": {
    "emails": [],
    "phones": [],
    "addresses": []
  },
  "technologies": [],
  "antivirus": {
    "detections": [],
    "enginesTotal": 91,
    "permalink": "https://www.virustotal.com/gui/domain/creditter.ru",
    "scannedAt": "2026-08-22T06:41:21.839Z"
  },
  "blacklists": [
    {
      "provider": "google_safe_browsing",
      "flagged": false,
      "threats": []
    }
  ],
  "registration": {
    "registrar": "RU-CENTER-RU",
    "registrarIanaId": null,
    "createdAt": "2018-07-20T13:56:25.000Z",
    "updatedAt": null,
    "expiresAt": "2027-07-20T13:56:25.000Z",
    "ageDays": 2954,
    "ageText": "8y 1m",
    "privacyProtected": false,
    "nameservers": [
      "ns1.yandexcloud.net",
      "ns2.yandexcloud.net"
    ]
  },
  "certificate": {
    "issuer": "Let's Encrypt",
    "validFrom": "2026-08-11T14:49:04.000Z",
    "validUntil": "2026-11-09T14:49:03.000Z",
    "valid": true,
    "protocol": "TLSv1.3"
  },
  "hosting": {
    "ip": "178.248.239.183",
    "countryCode": "RU",
    "countryName": "Russia",
    "city": "Moscow",
    "provider": "HLL LLC",
    "asn": 51115,
    "serverSoftware": "QRATOR",
    "mapImageUrl": null,
    "latitude": 55.7522,
    "longitude": 37.6156,
    "behindCloudflare": false
  },
  "timing": {
    "dnsMs": 0,
    "connectMs": 60,
    "tlsMs": 33,
    "ttfbMs": 28,
    "downloadMs": 2,
    "domReadyMs": 419,
    "loadCompleteMs": 450
  },
  "resources": [
    {
      "kind": "xhr",
      "count": 2,
      "bytes": 1265
    },
    {
      "kind": "scripts",
      "count": 1,
      "bytes": 349878
    },
    {
      "kind": "documents",
      "count": 1,
      "bytes": 265
    }
  ],
  "networkStats": {
    "totalRequests": 4,
    "totalBytes": 351408,
    "failedRequests": 3,
    "uniqueDomains": 1,
    "thirdPartyRatio": 0,
    "httpsPercentage": 100
  },
  "cookies": [
    {
      "name": "qrator_jsr",
      "domain": ".creditter.ru",
      "secure": false,
      "httpOnly": false,
      "expiresAt": null
    }
  ],
  "identity": {
    "finalUrl": "https://creditter.ru/",
    "brandName": null,
    "faviconUrl": "/api/scan/favicon/5b6ea5609f24451d882a4fa28035e431"
  },
  "telemetry": {
    "statusCode": 401,
    "durationMs": 14252,
    "scraper": "patchright",
    "attempts": 1,
    "source": "batch",
    "contentType": "text/html"
  },
  "securityHeaders": [
    {
      "key": "content_security_policy",
      "present": false,
      "value": null
    },
    {
      "key": "strict_transport_security",
      "present": false,
      "value": null
    },
    {
      "key": "x_frame_options",
      "present": false,
      "value": null
    },
    {
      "key": "x_content_type_options",
      "present": false,
      "value": null
    },
    {
      "key": "referrer_policy",
      "present": false,
      "value": null
    },
    {
      "key": "permissions_policy",
      "present": false,
      "value": null
    },
    {
      "key": "x_xss_protection",
      "present": false,
      "value": null
    },
    {
      "key": "cross_origin_opener_policy",
      "present": false,
      "value": null
    }
  ],
  "redirects": [],
  "transactions": [
    {
      "url": "https://creditter.ru/",
      "method": "GET",
      "resourceType": "document",
      "statusCode": 401,
      "bytes": 265,
      "thirdParty": false
    },
    {
      "url": "https://creditter.ru/__qrator/qauth.js",
      "method": "GET",
      "resourceType": "script",
      "statusCode": 200,
      "bytes": 349878,
      "thirdParty": false
    },
    {
      "url": "https://creditter.ru/__qrator/validate?pow=18&nonce=1787380881.784.4lwzefYZFtC4Ebgr&qsessid=bdcnr1pafglh91g4thpjpsp8i266p1dd",
      "method": "POST",
      "resourceType": "xhr",
      "statusCode": 403,
      "bytes": 0,
      "thirdParty": false
    },
    {
      "url": "https://creditter.ru/qrerror/403.html",
      "method": "GET",
      "resourceType": "xhr",
      "statusCode": 403,
      "bytes": 1265,
      "thirdParty": false
    }
  ],
  "hasCapture": false,
  "archive": {},
  "networkSize": 0
}