"BP" Smart move recommendations

[Ryan Dossey]

We have been using the BP tenant screening link with good success. It is easy to understand and has a nice layout. I just had a prospective tenant apply and it was recommended that I deny her. Reasons: Derogatory public record, excessive collections, and low credit score. This is one of the first ones that I haven't really agreed with. 

Collections she had one collection 3 years ago for 1200.00 to Verizon. I know from working in communications that if you can't afford your bill you get late fees and ultimately early termination fees. So I understand that. One collection doesn't seem excessive though considering we have had other applicants with higher frequency and dollar amount. 

Derogatory public record: She had a ticket for a passenger not wearing a seat belt. Derogatory implies a more abhorrent behavior in my opinion. 

Low credit: This one makes some since it was a 570. However in our "tenant pool" this is about average for the most part. Tenant's only item building credit is a car loan. No other CC's or anything. 

Just curious if you guys have had similar experiences and what your thoughts would be on this particular tenant. I am leaning towards looking more into them with the possibility of an offer to lease if that all checks out.