Companies do use consumer scores under the innocuous term of Digital Safety and Trust to determine the service you receive.
https://www.nytimes.com/2019/11/04/business/secret-consumer-...
Non paywall: https://archive.ph/FKQ6d
The article does mention use cases for fraud, however it also states that the consumer score can
...determine how long each of us waits on hold when calling a business, whether we can return items at a store, and what type of service we receive. A low score sends you to the back of the queue; high scores get you elite treatment.
The article also mentions usage by social / dating applications such as OkCupid, which would indicate that a score can have an impact on your social life.
On one hand, I do understand the need for fraud mitigation. On the other hand, I've had to deal with the negative consequences of incorrect data provided by companies such as LexisNexis, how you can't fix it, and the impacts it has.