First tenant screening using SmartMove- Need Help

[Branden Smith]

I just received my first applications back along with their credit/criminal history. This will be my first time going through the screening process so any help would be appreciated. To start I used the Ultimate Guide to Tenant Screening and I can easily say it was a huge help. I did set all of the guidelines and I have no doubt it saved me from a lot of phone calls. Now that I received my first credit/background check back from SmartMove I want to make sure I continue to do things right. I have spoke to employer's and the current landlord. Please let me know what you think. Thanks in advance!

Here is some of the information. 

Total of two applicants

overall income to rent- 6.3X

FIRST APPLICANT 

-resident score 626 and the recommendation was accept

-Sole income enough to cover 3X rent

-Total of 7 accounts with 0 past due payments

-Collections: 19 for a totaling around 5K only 3 are not related to medical (looks like phone/cable related)

-1 federal tax lein and 2 civil judgments 

-No evictions on record and no criminal record

SECOND APPLICANT

-Resident score 728 and the recommendation of do not rent (says open bankruptcy but under public records it says there is only one on record and it was settled in 2007)

-No evictions and no criminal records

-0 Past due payments

-3 collections totaling $138 all 3 medical with 2 saying closed to charge off or repossession. 

-Bankruptcies: one chapter 7 bankruptcy dischard/date settled 07/2007

-Judgements: 1 settled in 2015 by the same recovery company for the medical collections