Sezzle Approval Denied Despite Good Credit Habits

I signed up for Sezzle, thinking my credit score wouldn't be a huge deal (like you guys advertise). Denied! you say you look at more than just credit score, but they never gave me a real reason why I got the thumbs down. I have a steady income and always pay my bills on time with other places. they're making stuff up! I was really hoping to use Sezzle to improve my credit score. Your website says you report payments, but it's all a big mystery. There's no info on what you actually need for that to happen, and even though I've been paying off past purchases on time, nothing's showing up on my report. It's kind of misleading, makes it hard to trust you as a credit-building tool. Honestly and I think it’s a necessity, I'd just love a clear explanation of how you decide who gets loans and why my on-time payments affected your decision.