Updated about 2 years ago on . Most recent reply
Interpreting Transunion smart move
The tenant is making 2 K on an internship and the parent (guarantor) is not established in the US well enough with his credit/employment/rental history. He has only been in the US since 2021. He has 170K income (stated on a job offer letter which i called and verified) but on the current job only for 6 months. Lived where he lived for 6 months.
I ran a TransUnion smart move report. The report says "Accept" with a 754 score but states:
Insufficient payment activity over the last year
Too many inquiries
Length of time revolving accounts have been established is too short
Not enough balance decreases on active non-mortgage accounts
also on the main page of the report it says:
SSN may be invalid.
We suggest that you verify the applicant's identity.
Would you take this tenant?