So now I need to draft an adverse action letter and name the credit report source.  

@Gene Walker, "curing" a void tax sale is kind of like regular adverse possession.

It seems like that timeline could be questionable and could leave you at risk for more adverse issues adding to the problem - hence another leak you've discovered.

I am pretty risk adverse right now, I'm not 25 and single anymore without kids. :)  So I have to be very careful not to over extend myself.  

And do it safely and produce returns to boot.The most recent adverse cycle was the worst one since the great depression. 

Explain your situation without making excuses, own up to the mistake, and promise to pay all that is owed plus any late fees.The more you avoid the awkward situation and make excuses, the more likely your landlord will react adversely.

In the event of any default adverse to the lender, you would immediately quit claim the property back to yourself.

Affidavits of heirship, adverse posession, muniment of title, etc. 

Hi Mike,This is what I found under the Colorade Tenant-Landlord Law:Habitability CodeHabitability is the condition of a building in which inhabitants can live free of serious defects that might harm their health and safety (example - a lack of running water or heat adversely effects the apartment habitability).

Accounts in collection would be a concern so I agree with others to decline this one.Since you are using the background check to make the decision, I would recommend sending an Adverse Action letter as required per the Fair Credit Reporting Act.