Get credit score from potential borrower for private lending?

[Hen Ley]

Looking at carrying a note-  Thoughts on getting the credit score of the potential borrower?  I've heard some hard money/private lenders say it doesn't matter what the borrower's score is as it's the property that's providing collateral for the note, however, banks require a credit check for borrowers because they're not in the business of owning homes and don't want to be, and want to make sure borrowers will pay/not default.