The wife has a credit score of 648 (we require 600+) showing up to date payments, only one past due from 2022 that is a closed account. Likely just forgot about a small credit card. No collections or anything like that and a very healthy credit balance ($32k available credit only $6k in use). No criminal or eviction history.
The husband also has a great credit score 735 with another great debt ratio (39k available only $4k in use). No missed payments, no eviction or criminal history.
I spoke with their previous landlord and they recommended them as renters, no late payments ever, no compllaints ever, etc. They do have 2 ESA animals (Emotional support animals) which by fair housing code we cannot deny an application for. I am pending receipt of their doctor letter but that should be coming soon.
They currently live in an apartment in the neighborhood and wanted a single family hom.
