first time landlord question

[Blondell Chism]

We have worked through Zillow to advertise a midterm rental (also on other platforms too). However, today an application came through that meets our credit score cut off, but this person has NO credit cards, has closed all of the accounts, and has a bankruptcy that was dismissed in 2023 (not quite sure what that means). I am thinking this is not only a red flag, but wondering how someone with the bankruptcy would have a 685-credit score. Please advise how best to approach this situation. Their income is also all self-employed and social security benefits. Am I being too cautious?