Should I accept this tenant?

[Emily Liu]

I have a townhouse for rent. The rent is $1300 per month. She has a credit score of 747, and has a yearly income of about $100k. But she also has “recency of a balance over limit on a bank card account”, “bankcard account balances are too high in proportion to credit limits”, and “number of delinquent accounts is too high in proportion to total number of accounts”. Is it suggested to accept her application? This is my first time being a landlord, so would appreciate your valuable suggestions/advice. 

[Nathan Gesner]

This is why I use a background check that gives me a complete credit report. You should be able to see every single account, how much debt she's carrying, what her payment history looks like, etc.

Based on what you've shown, I would probably accept her. She sounds mature with 15 years of ownership and a good credit score. She's likely more stable than a 24-year-old single mother or two short-order cooks rooming together or that guy that just moved to the area for a new job...