Tenant does not have a credit history

[Manoj N.]

I am screening a tenant who is more than 40 years old. She passes criminal and eviction checks, but not credit check. My minimum FICO score is 621. The service I use just tells me whether she passes or not - nothing more than that. In the application she wrote that she never uses credit and deals with cash only. Otherwise (references etc) she is OK. Could someone live in US for a long time and still have no credit history? 

[Thomas S.]

No credit history can mean a lot of different things, she could be using a alias. You need to get a copy of her drivers licence and employment history. Ask to see at least three consecutive pay stubs and contact her employer to confirm.

Without a credit history you must go the extra mile as they may or may not be legitimate. Dig much deeper.

You also need to change credit checking companies immediately. A indivulaes personal credit history is the most important part of screening the actual score is only a small part of a persons credit history. You need 30-60-90 day default history, credit limit and credit used to form a full picture of a indivulaes credit history. You have been lucky to this point using only a credit score.