I wonder why one's history with a company stopped being a huge factor? Aren't credit scores still heavily based on a history of on-time payments of your bills?

I wonder why one's history with a company stopped being a huge factor? Aren't credit scores still heavily based on a history of on-time payments of your bills? The OP says he had never filed a dispute before in his long history as a PayPal customer whereas the scummy company has probably received many claims against them. That should be one of the easiest metrics for PayPal to use to judge the validity of a claim. It's so odd that it's not an important factor.