It’s a win-win-win situation.

The person with documentation will win.

Lastly they'll look at your credit history, the length, score, DTI ratio, etc. ideally you've had a credit card, small auto loan, anything that shows you're a worthy borrower.

If your preferred candidate wins, it will be great.

And to me, when an someone with experience tries to win you over with the laundry list of accomplishments in the past, I question whether or not their focus is in the goals of the future or the glory of the past.So if you if present the possibilities of doing deals with you and investing in real estate, you have presented your pitch in a way that creates a better foundation for landing that partnership. 

Sounds like a win win for everyone!

During the GRC I ran into this with credit cards. 

Banks track number of services per client as a cross-sale ratio and it determines not only your service level but pricing.If you really don't want the bank account, ask your lender what other service they offer that could substitute for it - maybe a savings account or credit card.  

Let her choose and setup the options so you win either way. 

Can credit card debt be used to put a lien on a property?