Reply: What do you do when the spouse of an applicant (with excellent credit) has NO credit score?

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[quote="anonymous post=47194 userid=0"]I believe you answered your own question. You have a minimum score requirement for each applicant. They don’t meet that qualification. However, do you use a screening agency? If so, what was their decision.[/quote]
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Anonymous

Not really. My wife was in her late forties when we got married. She had zero credit because she paid everything in cash. She is a bit of a shopaholic and does not trust herself with a credit card. By paying cash for everything, it kept her out of trouble.

Posted 2 years 8 months ago

Karen Mallinger

If it’s a spouse and the other spouse has credit, we would accept. As long as the couple collectively meets the criteria.

Posted 2 years 11 months ago

Jessica Renee Stranger

We would just add them as an occupant that way credit doesn’t come into play.

Posted 2 years 11 months ago

Linda Kogen

No credit Is better than bad credit

Posted 2 years 11 months ago

Chris Peterson

We need proof of being able to pay rent for a lease term. We go by past debts owed to landlords/utilities, savings and/or employment. Some people don’t want to be in debt (have any kind of credit score), and I’m married to one of those folks. Lol

Posted 2 years 11 months ago

Tammie Birdwell

Depends on how old that person is. If they're early 20's, I can believe they don't have any credit. Any older than that, they're likely lying. They would have at least some credit history, a car loan or even just inquiries for phones, apartments, electric service, etc.

Posted 2 years 11 months ago

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What do you do when the spouse of an applicant (with excellent credit) has NO credit score?