You’re right. There’s zero Jewish representation in the Arab world while Arabs make up about 20% of the Israeli population (and hold positions of power within the country). Israel is a tolerant society while saud, Qatar, etc. are largely intolerant of Jewish existence (they genocided their own Jewish populations).

Credit scores are in part based on the oldest line of available credit, which for most people are their student loans. Pay those off, your oldest line of credit becomes something more recent, and your score goes down as a result