If a person is known to be involved in fraud, we say that there is a negative outcome associated with this individual. Not every negative outcome is of the same severity or seriousness. A person known to be impersonating another person will have a more serious type of negative outcome associated with them, compared to someone who is just trying to use an expired $20 gift card, in an innovative way to make it valid.
From a score of 1 to 10, we rate various negative outcomes as follows:
| Negative outcome | Negative outcome score |
| Impersonation | 10 |
| Involvement in credit card theft | 8 |
| Fake check submission | 7 |
| Criminal record | 6 |
| No record | 0 |
Note that these scores will be based on our analysis of fraud cases and their impact from historical data.