What happens in your country if you move into a house and then just stop paying?
You usually present proof of earnings and possibly references from previous landlords. And if you get unlucky - well, same as in the US, in many of the nicest markets, you're facing an uphill battle to evict people.
Strong data protection rules have made it that there is now a credit score report which is only giving you a pass/fail so that landlords don't know too many details.
Which means if you always paid your stuff on time, a virtual +1 is the same as a +1000, and the visible result will just be "OK" and after a while the entries will age out if it was a "NOT OK"
I know a few landlords and despite the efforts they take to find the perfect tenant, they all have tales to tell of people who passed all the tests with flying colours but soon turned out to be a costly disaster.
Also I think landlords can only see a high level summary and final score, not the details of your financial situation.
* A mafioso comes for a chat with the tenant and they move out. This rarely happens.
* The case is presented to court and they'll evict the tenant in about 2 months. This usually happens.
* The tenant has small children and is poor. The owner is fucked as the court won't do anything - the tenants children have a basic human right to a roof over their head. This also rarely happens, but when it does, the damages are huge. My great aunt lost 1-2 years of rent and about 10k in damages due to neglect this way.
Because of this, there are interviews for tenants. Mostly just a chat, but rarely you need to prove you're employed and provide bank statements.