Would you rent to this tenant?

[Account Closed]

Let’s say you had a potential tenant apply to rent one of your properties. Great income at 4.7 times the monthly rent, stable career track with consistent promotions every couple of years, liquid savings equal to 18 months of rent, good 5 year rental history with favorable feedback from all prior landlords indicating all rent payments were received timely and zero damage or any other issues occurred at prior rentals.

However, the individual has a credit score of about 550 with debt that includes $10k+ in credit cards which is all past due, $30k in student loans, $30k car loan, $30k in other debt, and unpaid collections from three different businesses originating 4 years ago.

Would you rent to this individual considering they have demonstrated they consistently pay rent on time, take care of the properties they rent, and have good income & career history, or would the credit score steer you away from this individual?