Is Transunion's Residentscore compared to FICO score

[Warren T.]

Hello BP community. Need some advice. I have a SFR that I'm renting for $3,250/mo. I have a couple that looked great on paper. Wife is a teacher making $8K/mo (verified paystubs) in a good school district and the husband has his own business and makes $5k per month (more than 3x the rent). I called their prior landlord and she said they always paid on time. I had the couple fill out an application and used TU mysmartmove (for the first time-- I usually use another service) to run their credit, criminal and eviction reports. Nothing showed up for either of them for the criminal and evictions; however, their "ResidentScores" were in the low 600 range.

When I looked at the credit report, there were a few things that I was concerned about:

-Wife had a residentscore of 624

-Wife had over $90K in past due school loans (opened 3/15). Notes state: "Status: 9B: collection account, Remarks: Student loan perm assign government, Notes: Automated account" 

[I just ran their credit report today, so I have not had a chance to confirm whether they are on a payment plan to make the school payments back]

-Husband has a residentscore of 621

-He's paid his credit lines relatively on time (only 1 collection for a small balance of $169), but it was paid off. He missed 1 or 2 payments, but his credit line balances were all relatively low dollar amounts.

Could someone with experience with TU's ResidentScore chime in? According to TU's ratings system, they recommended to "ACCEPT" the applicants. The major concern for me is the wife's school loans outstanding. I was considering raising the deposit and/or getting a co-signer or should I just stay away completely? Wanted to get the BP community's opinions.

Thanks in advance!