Lets agree that its not really a "credit report" but its actually a "debt report" for the most part. We both know that some information is truly credit report worthy such as credit cards and mortgages. However there are plenty of things that find their way onto people's credit report that do not adequately predict if a consumers ability to perform on a contract.

We dont make loans per say but we do approve tenants for housing for up to a year at a time. We actually sit down and interview the people. We look at their income source and the likelihood that they will or will not maintain their employment. If we are satisfied that the income source is strong and the tenants will continue their employment we make a decision to take the income directly from the source (direct deposit) or if we will trust them to hand deliver their payment..