Get credit score from potential borrower for private lending?

[Hen Ley]

Looking at carrying a note-  Thoughts on getting the credit score of the potential borrower?  I've heard some hard money/private lenders say it doesn't matter what the borrower's score is as it's the property that's providing collateral for the note, however, banks require a credit check for borrowers because they're not in the business of owning homes and don't want to be, and want to make sure borrowers will pay/not default.  

[Tom S.]

@Hen Ley Always get a credit report. I've applied for HML in the past and they did pull credit (said the score wasn't the main concern). Their main concern was tax liens, student loans in default, judgments, where the gov't or a creditor could step in and try to seize property / funds.