Need help rejecting this tenant in NJ

[Nicholas Jose]

Good morning, BP.

I am in the process of writing a rejection letter for an applicant here in NJ who is unwilling to disclose his financial history. I ran a background check before on another applicant and she submitted all the necessary information at the drop of a hat, I'm just not sure why this one seems to be so hesitant and suspicious. He really insists that I take him at his word, that he pays everything on time.

So how do I write a rejection letter that states that the applicant was rejected due to him not disclosing his financial information? And no, even if he does reveal his financial statements, credit history, credit score, and credit report, he feels like a headache to deal with.