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Updated about 1 year ago on . Most recent reply
![Margharita Silva's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1289058/1694642364-avatar-margharita.jpg?twic=v1/output=image/cover=128x128&v=2)
Interpreting Transunion smart move
The tenant is making 2 K on an internship and the parent (guarantor) is not established in the US well enough with his credit/employment/rental history. He has only been in the US since 2021. He has 170K income (stated on a job offer letter which i called and verified) but on the current job only for 6 months. Lived where he lived for 6 months.
I ran a TransUnion smart move report. The report says "Accept" with a 754 score but states:
Insufficient payment activity over the last year
Too many inquiries
Length of time revolving accounts have been established is too short
Not enough balance decreases on active non-mortgage accounts
also on the main page of the report it says:
SSN may be invalid.
We suggest that you verify the applicant's identity.
Would you take this tenant?
Most Popular Reply
![Margharita Silva's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1289058/1694642364-avatar-margharita.jpg?twic=v1/output=image/cover=128x128&v=2)
you know i have seen "rich" people squat as well almost using their wealth as a shield. I have seen it all! but i don't think this is the case here .. i think they are just new here ... they tried to negotiate the otherwise very cheap rent (by comparison to other comparables) in the area which i did not like but they did not came across as people who would use legal loopholes to squat and take advantage...