Im asian so slay I’ll explain.
EXPLANATION : Back then rivers were important to many settlements such as ancient Egypt because they grow crops, etc. Its the same thing for ancient china. The yellow river was a important river because it provided farmland for china and was basically born for farming.The yellow river’s water carries silt which is how it got its name and when the river would flow it leaves yellow residue behind. Silk was important to ancient china because back then they traded with other places a lot and silk was a main material that was traded.
Yas: I hope this was helpful and sorry if I explained it in a very longgg way
I think the answer may be Personal Education Background. I assume the question is talking about credit as in credit card. Payment history is a big part of credit, personal health history may be important because if you have a lot of debt that you are struggling to pay off it could affect your credit I think and length of employment I would say is important because you need a job to pay. I'm not 100% in this though, I'm just trying to help.
Hope this helps! (: