Indicates that the borrower's creditworthiness, identity information, and ability to repay the loan have been recognized by the lender, which means that he or she is doing a better job of safety and security, and that he or she does not have a record of fraudulent behavior or defaults. This usually means that the borrower has a low loan risk and is considered a safer borrower.

At the same time, the anti-fraud score is only one aspect of a lender's assessment of a borrower's credit risk, and other factors are taken into account in deciding whether or not to give a borrower a loan.