Explanation:
1) They need to know if the person is reliable in terms of money. and to see if they will pay or they are known for not paying.
2) previous addresses and financial details (this is in the column next to it)
3) Credit score
I cannot help much with others but pay on time makes you look good by showing how reliable you are, this increases credit score. Credit score determines if you will get an opportunity to have 'debt'. Low score = bad, High score= Good
