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?