Question 1

Is Scratchpay legit and safe to use?

Accepted Answer

Scratchpay is rated 3.1 out of 5 (“Average”) on TrustRating, based on 5 independent AI model assessments. The TrustScore combines real customer reviews with AI models that independently assess trust, regulation, support and reputation signals. Always do your own research before making a purchase or investment.

Question 2

Is Scratchpay a scam?

Accepted Answer

TrustRating doesn't issue scam verdicts — we publish the data instead: Scratchpay scores 3.1 out of 5 (“Average”) based on 5 independent AI model assessments. Every review passes TrustGuard, our fraud-screening system that blocks fake and paid reviews, so the score reflects genuine customer experience. Read the most recent reviews below before you decide.

Question 3

What is Scratchpay's TrustScore?

Accepted Answer

Scratchpay currently has a TrustScore of 3.1 out of 5 (“Average”). The score blends verified customer reviews with assessments from multiple independent AI models, and it updates automatically as new reviews and scans come in. You can read exactly how scores are computed on our methodology page.

Question 4

How does Scratchpay compare to other credit & debt services companies?

Accepted Answer

You can compare Scratchpay against other top-rated companies in the Credit & Debt Services category on TrustRating, ranked by TrustScore.

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