I know old school but those cant be intercepted like e mails.. and when I call I just start going through some questions.. 

I like to review the whole picture, example not a strong credit score, I then review the history on the report and can see what chess playing financial moves they had to do, (school system does not train us to master budgets, credit cards, etc, it is learned in the school of life) reviewing the history report you can see which bill account they made priority and which ones they didn't, and if they decided to not pay or skip few payments on non-essential accounts, that's okay with me.

The Consumer Behavior course I took in business school is spot on.I discovered my affluenza affliction ("retail therapy" or "when the going gets tough, the tough go shopping") back in the 1990s.

Not on major roadway and close to well rated schools, and sports clubs.  

@Andrea Diaz Because of the affordability, great neighborhoods and schools, and good night life, Columbus has attracted a-lot of businesses to setup shop, hence the increase in population over areas like Cincinnati and Cleveland.

Hire a couple high school kids to go around 2-3 times a week (some kind of schedule) with a portable sewer dump tank to empty the sewers and water tanks to refill potable water.In North Dakota in the early 2010s people were setting up rv subdivisions in every large parking lot (think Walmart and Home Depot) to provide housing for the oil field workers.  

I was like.. it's gotta be better than the old school alternative, right?!

My only kid at the time was far from school age or playing outside alone age so specific location wasn't as important as price.

As my high school French teacher used to say: "Ne pas."

I had great training for this, taught middle and high school in C minus neighborhoods so guess what, many of the kids turned into renters ... it's an unbreakable tradition.