You could always try reporting the debt to the credit bureaus and hope someday they decide (or need) to pay it off for some reason: Debt Reporting Service

It states, "As part of the recently enacted Coronavirus Aid, Relief and Economic Security (CARES) Act, mortgage accounts in forbearance as a result of COVID-19 cannot be reported negatively to the credit bureaus by lenders," which is nice.

Her credit runs from 706-725 between the three credit bureaus.

You essentially need to lie to the credit bureaus?

Another option is to report the debt to the credit bureaus so it appears on the tenant's credit report through a service like Rent Recovery Service or AOA Debt Reporting.  

This comes shortly after the recent credit reporting changes, by all three credit bureaus, related to bankruptcies, foreclosure's, lien's etc.

My FICO scores in all three bureaus is 830 or slightly higher.

John Smith may be reported to credit bureaus, bringing down his credit score.

Account ClosedWell, I can't specifically talk to illegitimate services, but I can say that TransUnion is one of the major 3 credit bureaus in the US, they have a rental screening division in the Denver area, the've processed likely millions of tenant screening reports and is used by thousands of companies.They are a reputable service that provides credit, criminal and eviction reports.

You don't need a secured credit card.Discover ITCapital OneChase Freedom/UnlimitedThese 3 CCs will reported to all 3 crediting bureaus (call your local credit union and see what they offer and who they report to - you need all 3 agencies), offer 0% interest (assuming you pay your min balance) for 1-2 years, and required no cash down to sign up for.Keep your total utilization rate from  3-5% (preferably 3 if you want to hit 800+).