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It's not a credit score, it's a debt score. It says how good they think you are at being in debt, i.e. how much money their gay AI model thinks they will make from you.

Paying things off quickly = no interest accrual = no money for them

Not paying things off = no interest payments = no money for them

If you want a high debt score, you have to let a little bit of interest continually accrue, like from a car/house loan or from not fully paying off your credit card each month but still paying the minimum or slightly more.

The people who generate more usury income for the banks are, of course, more likely to be favored by the banks, therefore the higher score.