I have a tennant that has a credit score of 489 - she has 23 collection items. She says she can only be garnished once. She is asking for a chance or can she provide a cosigner? --24.12.xx.xxx

deny. --174.55.xxx.xx

I quess you are hoping to be the 24th collection item? --74.104.xxx.xxx

No, I'm a first time landlord and I need a little help to stop my personal site get in the way of the business side I need to develop --24.12.xx.xxx

She seem so nice and even said she would pay an additional month deposit for the unit. But again, it makes no financial sense according to the credit. --24.12.xx.xxx

She's "so nice" because it helped her get what she wanted in the past. She thinks it will work on you, too. --158.145.xxx.xx

Trust but verify. --99.67.xxx.xx

Past performace is the best indicator of future performance, wouldn't you agree? --99.67.xxx.xx

Thank you, I absolutely love the advice. I fell weak to the sensitive and personal side. I am a business owner now and nothing more. --24.12.xx.xxx

--98.247.xx.xxx

She APPEARS to be nice because she is trying to get into your unit. She was definitely NOT nice to 23 previous creditors. --24.6.xxx.xxx

Do not rent to her.If you want help assume you work for me and if you rent to her I will fire you.Did that help? --64.12.xxx.xx

You shouldn't rent to her, but learn as much as you can. check court records for evictions! --125.25.xxx.xxx

Anyone want to top 23 collections? What's the most you've ever seen on a credit report? I had one not long ago with 34 outstanding collections. And no, I am not going to be number 35! Sorry, Debra, this would be a NO in my book! --76.224.xxx.xxx

Unpaid utility bills are sure way that person is going to have unpaid rent as well. If someone is not responsible in paying bills then rent will be included as well. A few evictions will mean more evictions. Anytime NSF cheques come up on a credit report then that applicant is going to take a walk. --216.110.xxx.x

This should only be experimented with when you have 5 and 6 digit lottery winnings to lose, otherwise we are all thinking you worked for your money and want some return on your investment, with many applicants you need to remember when their lips are moving you need to verify everything, have them return if a few years when the payments are up to speed with spending. --76.241.xxx.x

First off what she says means nothing , Forget about giving her "a Chance" . If you took her with a cosigner that cosigner will have to have a stellar score and be making enough money to support two households cause chances are better that 50-50 that they will be paying for your tenant. To make it easy on your self I'd just forget about this person. --70.244.xx.xxx

I can top that Sue S! I had one a few months ago with over 40 collections. The majority were medical which I do feel for the person BUT there were also utilities, cell phones, and several car defaults. Sorry. He was a nice guy, Debra. I liked him. But I was straight up with him and told him he needed to clean up his credit and then come back. He was making $4000 a month ( I verified it) so I still don't get why he couldn't pay his bills. Pass this woman , Debra. Too many collections. --74.45.xx.xxx

OK --24.12.xx.xxx

btw, not sure what a "tennant" is but I believe you may want to spell it "tenant" in the future... just sayin! --74.219.xxx.xxx