credit screening tenant

[Daniel Okeefe]

Hi members.  was wondering if anyone had this experience or insight on credit history.

Met with a potential tenant for a class B-C type apartment I own and interview went very well, she asked a lot of questions about the unit and how things were run and who to call for utilities and Etc etc.. Almost to many questions really, but that's fine and viewed that as a positive. She was well organized as well ( almost to much so really ? ) any ways , she gladly paid the app fee, filled it out on the site, had paystubs ( she is in the service industry) makes enough money no problem. She had on demand PDF's of her last years tax return, bank statements and CC statements. She stated upon approval of application and back ground checks she would pay me the SD with money order the next day. All great, however, when we ran her background/credit check through Tenant Check LLC it came back No criminal, No eviction, No SO records but it literary shows ZERO credit.. no CC, no car payments , no nothing. She has supplied her CC statements , car payment statements all with her name on them and all current.. I am a little perplexed and feel a little red flag about her having all this information very well organized and immediately available, which seemed weird to me. The applicant is young ( 24) but looks completely presentable, obviously organized, nice car buy why ZERO

credit through transunion ?   Do these agencies ever make a mistake ? All financial papers she is sending me has her name on them exclusively  and she states that her previous apartments, CC, car payment are and all were in her name , no co-signors.. Her employer says she works very hard and is a great employee.

Thanks for any POV and what am i missing ?

Dan Okeefe

[Nathan Gesner]

Quote from @Daniel Okeefe:

It could be a simple typo in the social security number or something else on the app. Check that the information is accurate, then try again.

There are many websites where individuals can purchase fake credit reports, pay stubs, letters of hire, etc. 

Please remember it is not your responsibility to play detective and spend hours digging into her past. If the credit report comes back blank and you think it's fake, tell her so and move on. If she offers additional information that resolves the issue, then you can consider whether you want to try again.