Help with Item on Credit Report

[Guy Thomas]

I went with the smartmove service for credit check and had a prospective tenant submit her data.

In my initial phone interview she admitted that their current home was being foreclosed on, but the note was in her ex-husbands name only.

Apparently, the divorce is very recent, as she still lives in the aforementioned home.

Smartmove says I should accept her as a renter, but with over 130k in debt, I am a bit concerned, especially with no mortgage listed.

There is one tradeline that I am particularly interested in. Some cursory research indicated that the account may be a HELOC?

Here is the data:

Name of Business: Bank of America
Type / Terms: Overdraft/reserve checking
Status: 30 days past due
ECOA: Joint Account
Balance: 65772
Limit: 65000
Past Due: 206

Does this look like a loan associated with her foreclosing home?

Since it is a Joint account, and the house is being foreclosed upon, is she likely going to be in serious financial problems soon?

Any insight is appreciated.