This is a really insightful post—many people assume that paying bills on time is the only factor that impacts credit decisions, but there's clearly much more going on behind the scenes. Your breakdown of things like credit utilization, income levels, credit score, and even the types of credit accounts people hold really highlights how nuanced the system is.
It's great to see this kind of information being shared, especially in a way that's easy to understand. Posts like this empower people to take a deeper look at their financial profile and make more informed decisions. Keep up the good work—this kind of clarity is exactly what a lot of folks need right now!