I went to the bank to apply for a small loan and they demanded my credit history, which I did not have. My bank actually referred me to Credit 9, so I immediately thought they were legit since I trust my bank. If you do a quick search on the company, you will find by looking at Credit 9 reviews reddit that they have not been listed as a fraudulent or extortionate company. In fact, most of the reviews and reviews on this company that you find online are positive, which is a good sign. Good luck with your choice, I hope I helped you!