Advice on tenant application credit score/loan

[Margharita Silva]

Hi, 

I have a tenant application and was wondering whether other landlords would accept it.

He is securely employed and makes x3 the rent. His credit is 640 and has a car loan of 40K. I haven't checked the credit in a separate report for myself but received it on Zillow.  How reliable is Zillow? Background check also seems to be ok, again received on Zillow. I thought if i decide to move forward will check everything again. Do you think the credit score and the loan might be an issue. He said he can get references from his current LL and has been paying rent on time. Would you accept his application?