Bankruptcy (but great credit score?)

[Clare Cui]

Hello all, 

I have a prospective tenant for a rent by room strategy, we're in initial stages (he hasn't officially filled out the application to verify his credit score) and he is letting me know he filed bankruptcy in 2020, but his credit score should be above 620. 

Any thoughts on a good credit score but a bankruptcy in the past? I could also ask him to provide a report from his business (he is self employed) of his P&L and transaction reports to make sure he is making money etc. 

Thank you in advance!

[John Teachout]

A bankruptcy hurts a credit score obviously but it's been long enough that it's highly possible he has built the score back up above 620. (which isn't a good score by the way). Timely payments are one of the largest factors in a credit score and if he hasn't had late payments since then, his score would continuously improve. Note: I've had plenty of tenants state their credit score is xx and it turns out to be considerably lower.