Applicant 19 year old and no credit history

[Sachin H.]

I have an applicant who is 19 year old and he is moving with two others who are in mid 20s.  The mid 20 year old applicant has decent credit score with all clear background (cozy screening).  The 19 year old says that his account is locked out and the system says he has no credit history to go to next step as he has no credit card. ( He is been living with parents and friends so far) 

The property manager called his employer and he is clear there and I did a a state public criminal record search and nothing found.  The property manager says that he is on the hook/lease application with other two and we should be good to go.  Am I being over paranoid here?

Thanks