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Fraud Rating
Daragh McMeel avatar
Written by Daragh McMeel
Updated over a week ago


Inscribe's Fraud Rating is an assignment we give to each of your customers based on the risk of fraud we perceive in the documents they've uploaded. Whereas the Trust Score tells you our level of trust in a specific document, the Fraud Rating gives you a simple indication for the customer overall.

A customer will be assigned one of three Fraud Ratings. The precise logic for when each rating is assigned varies and evolves over time, but in general you should consider the following guidance:

  • If the customer has any documents with a Trust Score of below 25, we deem them to have a high fraud risk. This is because the customer has provided a document which Inscribe considers to have very low trustworthiness. Even if they have lots of legitimate documents, we still consider this customer to be risky.

  • If the customer has no documents with a Trust Score below 25, but the majority of documents are either unclassified or have mid-range Trust Scores (25-74), we would classify the customer as uncertain risk. In such cases, we don’t have enough data to go on from the documents presented/ similar documents we’ve seen before.

  • Inscribe will assign a low risk rating to customers who are not classed as high risk, and where over half of their documents have a Trust Score of 75 or more. We deem such customers to be low risk because the majority of their documents appear trustworthy, and there are no documents that we deem untrustworthy. Any documents scoring less than 75 are mostly because Inscribe has not been able to classify them as a particular document type, or the format is novel to Inscribe.

There are a few places within our web app that you'll find a customer's Fraud Rating.

On your customer list:

List of customers with fraud ratings

As well as on the customer view:

Customer view header with fraud rating


How is the Fraud Rating different to the Trust Score?

A Fraud Rating is assigned to your customer, whereas a Trust Score is assigned to each of that customer's documents.

For example, imagine a customer with 3 documents uploaded. The documents may have Trust Scores of 90, 75 and 10. The customer would have a Fraud Rating of High Risk given that one of their documents has a very low Trust Score.

What's the difference between Fraud Rating and Status?

A Fraud Rating is assigned to your customer by Inscribe, however you also have the ability to approve or reject that customer independent of our rating. Below are some examples to highlight this concept:

A customer is assigned a High Risk rating, and you consequently reject the customer. In this case the customer's Fraud Rating is High Risk and their status is Rejected.

A customer is assigned a High Risk rating, however upon review, you decide this is a false positive and approve the customer. In this case the customer's Fraud Rating is High Risk and their status is Approved.

Note that a customer might have a Fraud Rating but not a status. This will be the case until an approve or reject decision is passed, or if a decision is rescinded.

Why is the Fraud Rating missing for some customers?

A Fraud Rating will not be assigned until at least one document is uploaded.

A Fraud Rating will also be missing if no documents have been uploaded since January 16th 2024. This is because Inscribe did not assign Fraud Ratings to customers before this time. You can have Inscribe assign a Fraud Rating by adding a new document to that customer.

Can the Fraud Rating of a customer ever change?

The Fraud Rating will update every time a document is added to or deleted from a customer.

How would I retrieve a customer's Fraud Rating via API?

Making a GET call to either our retrieve a customer or list all customers endpoint will return a top-level field for Fraud Rating. Please see our API docs for more details.

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