Another screening question (bad credit vs good rental history)

[Dustin Beam]

Hello beautiful people of BP,

I know I'll make the final call, but as a LL of 15 months I'm still trying to determine what really matters most and what to avoid when placing a tenant. And I'm not too proud to ask for advice, so here I am :) I do have hardlined "principles" for denial for some items like felonies, evictions, and income, but credit is a gray area for me.

Anyway, I have an applicant that I get a good gut feel from, has no criminal history, has no evictions, and the pay stub indicates the income is 4.5x the monthly rent. Applicant works for an insurance company so part of that is commission, but salary is still 3.5x rent. So that's the good. Here's the bad, if I understand the MySmartmove report, the applicant had one bankruptcy in 2011, and currently has some collections (pic shows some of what I was given). 

Part of me says this is a person that maybe isn't the most responsible spender, but knows that rent comes first. Part of me says this is a person that doesn't pay what they owe.

I'll be calling their employer and previous LLs, but assuming that checks out, what say you....rent or pass?