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Updated almost 5 years ago,

User Stats

91
Posts
45
Votes
Dan B.
  • Rental Property Investor
  • St Paul, MN
45
Votes |
91
Posts

Transunion SmartMove reports

Dan B.
  • Rental Property Investor
  • St Paul, MN
Posted

I had 3 guys apply for a unit that I have listed for rent. They seemed well qualified, talked about their good credit, and income. I received all the paperwork and sent them the link for the credit/background check. Here's the summary that I got from TransUnion after all 3 guys finished. I think I know what my decision will be, but this is confusing to me (see the highlighted parts). 

One of the 3 has a current address mismatch, but all of them are recommended as DECLINE. However, if I read it correctly, the total recommendation is ACCEPT. Maybe none of them make enough alone, and they have a reasonably amount of other debt, but together they make more than 5x rent, all credit is great, and no criminal or eviction issues. They applied together, I only look at the applications as a whole as I would expect any landlord to do (both the good/income and the bad/debt/credit/crim. 

What am I missing?

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