Is This Credit History Too Much of a Red Flag?

[Wade Garrett]

I have had a couple apply to live in my 1BR. They are an engaged couple in their 50's. After I met them I wanted to rent to them. 

The apartment rents for $1,150/month. 

He makes $86k a year, has a credit score of 720+. Is current on all bills. 

She has a credit score of 520, $9k in credit card debt. $50k of unpaid cc's from a couple years ago reported as loss. No income. No outstanding collections. Judgement of $3k against her 3 years ago for credit card payment. 

Obviously I am going off of his financials. He alone more than qualifies. And since her outstanding $9k in current debt is $182 a month, household debt is also not an issue. 

I would like to rent to them. But her numbers are scary. 

[Account Closed]

Have him sign the lease without her.  Make it a 3 year lease.  He is more than qualified.