Your zip code and the zip code of said transactions play a role in fraud. Credit score likewise plays a role. There are many many attributes taken into accoun

Your zip code and the zip code of said transactions play a role in fraud. Credit score likewise plays a role. There are many many attributes taken into account when discussing fraud. Some models use methods which take in all attributes. There’s many kinds of fraud as well, some of which will be impacted by credit score (for instance if you have more credit, and use your credit card more often, you’re more likely to be a target for a “hacker”. This means fraud will be more likely to occur on your account). For reference: I’ve built fraud detection models being used at banks.