An underwriter would use consumer reports to determine an applicant's:

Physical attributes such as height, weight, and blood pressure are typically not factors considered by underwriters when evaluating insurance applications. While health-related information may influence health insurance premiums, it is not typically part of consumer reports used for underwriting other types of insurance.

A history of traffic citations is more relevant for assessing driving behavior and risk related to auto insurance premiums. While certain personal information may be included in consumer reports, traffic citations are not typically a primary focus for underwriters evaluating premium payment behavior.

Information regarding an applicant's use of tobacco, drugs, or alcohol may be relevant for health and life insurance underwriting to assess health risks. However, this specific data is not typically the primary consideration for determining an applicant's likelihood of making premium payments for insurance coverage.