# What is your non-negotiable when reviewing a credit report? **URL:** \ **Category:** Landlord Questions\ **Created:** [April 6, 2026, 2:06pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704 "2026-04-06T14:06:05Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![ItsAnafromAvail](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/itsanafromavail/32/1675_2.png) [@ItsAnafromAvail](https://community.avail.com/u/ItsAnafromAvail)\ **Post date:** [April 6, 2026, 2:06pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/1 "2026-04-06T14:06:05Z")
**What is your main requirement for a tenant’s credit report?** What is the specific detail on a credit report that makes you decide to move on to the next applicant? When I’m reviewing applications for my condo rental, I’ve found that the specific details in the payment history tell a much clearer story about how a tenant handles their obligations than their credit score alone. I know for me personally, I’m more concerned with recent utility collections or late payments than I am with a specific score. I’m curious if you all have a similar approach or if you have a specific number you stick to. Is there a certain type of debt that is an automatic “no” for you, or do you look at the whole picture? ---
**Author:** ![Ramon\_Alvarez](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/ramon_alvarez/32/564_2.png) [@Ramon\_Alvarez](https://community.avail.com/u/Ramon_Alvarez)\ **Post date:** [April 7, 2026, 1:36pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/2 "2026-04-07T13:36:47Z")
Debt-to-Income ratio. This tells me if they’re uptight and will have difficulties paying. ---
**Author:** ![htoochar](https://avatars.discourse-cdn.com/v4/letter/h/c89c15/32.png) [@htoochar](https://community.avail.com/u/htoochar)\ **Post date:** [April 11, 2026, 3:25am UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/3 "2026-04-11T03:25:19Z")
Stick with your rental guideline. ---
**Author:** ![ItsAnafromAvail](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/itsanafromavail/32/1675_2.png) [@ItsAnafromAvail](https://community.avail.com/u/ItsAnafromAvail)\ **Post date:** [April 13, 2026, 4:07pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/4 "2026-04-13T16:07:08Z")
Hi there, Ramon. What is a good ratio based on your knowledge and experience? ---
**Author:** ![ItsAnafromAvail](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/itsanafromavail/32/1675_2.png) [@ItsAnafromAvail](https://community.avail.com/u/ItsAnafromAvail)\ **Post date:** [April 13, 2026, 4:11pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/5 "2026-04-13T16:11:40Z")
Hey there! Do you mind sharing your rental guidelines? ---
**Author:** ![Ramon\_Alvarez](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/ramon_alvarez/32/564_2.png) [@Ramon\_Alvarez](https://community.avail.com/u/Ramon_Alvarez)\ **Post date:** [April 13, 2026, 6:09pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/6 "2026-04-13T18:09:19Z")
A good Debt-to-Income Ratio is 36% or less. That’s all the debts, including obligations like child support and alimony. ---
**Author:** ![Ramon\_Alvarez](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/ramon_alvarez/32/564_2.png) [@Ramon\_Alvarez](https://community.avail.com/u/Ramon_Alvarez)\ **Post date:** [April 13, 2026, 6:12pm UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/7 "2026-04-13T18:12:46Z")
Here’s my Prequalification Standards: PRE-QUALIFYING REQUIREMENTS: 1. The combined household income must exceed 3x the rent among all applicants. All income must be from a verifiable source (W2, paystubs, or business cashflow statement) 2. Applicant’s credit score must be a minimum of 600. 3. Applicants may not have any evictions within the last five years. 4. Everyone over 18 must be a co-applicant and undergo screening (Background Check, Eviction Report & Credit Report). 5. Occupancy is limited to a maximum of 2 persons per room. (3 bedroom = 6 persons) 6. For pet owners, a pet screening report is required (available through a third-party application). Maximum of 3 pets. Pet Rent: $25/mo (per pet) (No initial pet fee or pet deposit). ---
**Author:** ![Bergenfurniture\_Desi](https://sea1.discourse-cdn.com/flex019/user_avatar/community.avail.com/bergenfurniture_desi/32/1275_2.png) [@Bergenfurniture\_Desi](https://community.avail.com/u/Bergenfurniture_Desi)\ **Post date:** [April 24, 2026, 10:35am UTC](https://community.avail.com/t/what-is-your-non-negotiable-when-reviewing-a-credit-report/5704/8 "2026-04-24T10:35:05Z")
> [@ItsAnafromAvail](#): > > What is the specific detail on a credit report that makes you decide to move on to the next applicant? > > When I’m reviewing applications for my condo rental, I’ve found that the specific details in the payment history tell a much clearer story about how a tenant handles their obligations than their credit score alone. > I know for me personally, I’m more concerned with recent utility collections or late payments than I am with a specific score. I’m curious if you all have a similar approach or if you have a specific number you stick to. > > Is there a certain type of debt that is an automatic “no” for you, or do you look at the whole picture? For me it’s recent patterns, multiple late payments, collections (especially utilities), or anything unpaid in the past 12–24 months. Evictions or landlord collections are usually a hard no. Score matters less than consistency and recent behavior.