As far as windows 7 and below it was control panel, but in windows 8 and higher, microsoft added, a new app which was called settings, control panel was still there but with a few features removed
The native windows application that allows one to access basic pc settings and controls system info is:
The system tab.
Explanation:
Even though the windows control panel lets you know and control with deepness all of the operative system hardware. The system tab is the one that allows you to know basic pc settings that are essential to understand the full structure of the machine. An example of them is RAM, CPU, OS, and sometimes the graphics card.
Well actually it affects her credit. Home owners would not want to sell a house to someone who doesn't pay bills on time. It shows he/she is unreliable