Advice needed on potential tenant with high debt
I have run my first credit/background/eviction check on my first potential tenant for a new rental property (my first property had a familiar tenant in quickly, so didn't need the background check).
She is divorced, 5 kids (1 in college). She has really high debt, about $98k from student loans. The payment information shows she has refinanced it and has paid all her payments. I also see what appears to be a car that was repossessed and charged off as bad debt from 2005 and 2011. I also see a utility company and shows she paid those bills as well.
I also see something that I don't quite understand 2 lines called collection items. What does assigned mean, and what does Last Act mean? The assigned are 6/12 and 6/10 and both have the last act as 12/14. One is comed and the other is verizon wireless.
The credit score is 645. The income is a little over 3x rent.
Thoughts? Advice? Thanks in advance and Merry Christmas!