What if the credit check shows a delinquency?
A credit check needs to be read, as you would read a book or magazine article, and the information considered as a whole. There are not many people who do not have any credit blemishes. Even if you have a prospect who has none, his obligation to pay rent to you might end up being his first. The credit history will show a pattern, as most such things do. Does the pattern show over-all responsible use of credit and a reasonable history of paying voluntary obligations on time? If there were delinquencies, did the applicant cause them, or did something unforeseeable put him in a tight spot from which he has recovered? View the applicants credit history, and delinquencies, if any, in this light.
