He ended up filing bankruptcy.

I have also seen many 600+ credit scores that have just come out of bankruptcy.

The day before being foreclosed they brought in a bankruptcy attorney so I agreed to a forbearance (simply an extension before I would foreclosure) for $1,500. 

Without a decision by a judge, the tenant can always fight the amount - but she'll have to sue you to do it, which she probably can't afford to do.Of course, she can always file bankruptcy, which would even wipe out a judgment.I think the easiest thing for you to do, is hire a landlord collection agency.  

If your score is low, you either have not made payments on time, you have negative public records (bankruptcy or judgments) or your debt to available credit is too high.  

Sectors like Tourism, Dining, Travel, Big Oil will see a huge downdraft, lots of bankruptcies and layoffs.

IMHO, Assets will move from the overleveraged to the underleveraged either by choice (deals) or force (bankruptcies).  

I just stubbled upon mysmartmove, it charges the applicant $25 to $40 for an extensive screening which includes; credit score, criminal background, eviction history, and bankruptcy.

The advantage here is in cases of bankruptcy, in CA from $100K to $175K is protected from creditors, depending on your status.

Over a million people laid off by company bankruptcy or closure in mortgage and vendors.