All four forms create an immediate receipt for the tenants and the popmoney gives me notice when the payment is scheduled.Notice, there's no fees to me and I try to entice the the tenants for the automation to avoid fees on their end.I've always been leery of 'bankless' tenants, but over my two decades, I've never had a NFS problem - - (screening).

I field way too many emails and phone calls for my rentals, and I find my time is far too valuable to be burning on some of the stuff that could be automated.  

By this point the automated system (The Work Number and whatever the company uses internally) has already failed, so I require them to give me a specific name/phone/email of an actual human person that can confirm their employment and look up their last 2 years as well as YTD compensation and complete the relevant Fannie Mae written verification of employment form.

It is probable someone like a utility would not get noticed (sent a letter) in the bankruptcy, have an automated system for handling them and therefore their actions to collect would not violate the stay.  

I asked the potential tenants about the credit cards and he stated that he had a major medical issue 2 years ago and told the credit card issuer that he couldn't make payments, then he never heard anything else about it and didn't ever receive any more bills.To me this seems like some pretty significant red flags, yet the automated recommendation is suggesting that I should accept the tenant.  

@Dawn Brenengen I could be mistaken but by the time we take possession of the 35k Tesla the tax credit will have sunset.I drove the S with the full auto pilot and its freaky scary... driving down a winding road and not touching the wheel.. auto parking.. slide in and out of parking spots on its own.. its pretty coolI just worry about people now feeling free they can text and drive since the car is doing the driving.its swtichs lanes  etc etc.. but Having been on the wrong end of my autopilot going wonky and wondering what George is doing I just cant fully trust automation to save my life  LOL...

I try to 'automate' as much of the business as I can.

They usually want some automation though, so if you can provide an easy way for the parents to pay (online or automated ACH) that's going to help you attract the good ones.College students will have less than stellar (if any) credit.  

Avoid the large repositories offering just the automated data results.  

My understanding is that it is "automated" - which made me skeptical.