[911Freak]

Originally Posted by jorian

Those FICO scores are brutal. Must be more to the story regarding credit.

+1

Missing something here...

How are they leveraged on their cc (% rev avail low?) How many other derog trade lines or collections are there?
If they're close to maxed on the cc, they could be 1 small step away from another default on a contract, your rental contract. How's there savings account? Do they have 3+ months living expenses saved? If they're broke, maxed and have a shortsale/default I'd need strong compensating factors such as lots of cash and solid character references from employers to make an exception..

When looking at CR and applications for tenants or mortgages I try to get an overall picture of their character. Are they credit poor, cash poor or do they have few tradelines/little credit history and as a result low scores due to a rare incident. Are there a lot of 'stories' does bad luck seem to follow them etc.

Do these people have strong stable character or are they just characters?

We just had to give a 3 day pay or vacate notice to one of our tenants.
It's never pleasant.

Verify, verify, verify

Good luck Rick!