Careful, you're dangerously close to sounding like the auto insurance industry. "People who wear blue underwear and shop at Kohl's but not Arby's with more than one pair of shoes that is less than six months old are more likely to file a claim..."
And this is reason insurance companies are worth so much. They are very good at making statistically accurate generalizations for pricing models.
Credit isn't wealth just a tool at the end of the billing cycle you still need the cash to pay the bills so everything not just a score should be taken into consideration cash is KING that mean green.
Cash is only king if you know how to keep it . Good credit demonstrates responsibility and someone who knows how to manage their finances well. I know too many people who have high incomes and nothing to show for it.