My kids all tent.
Most of them have a credit score of Zero. They all live debt free.
They meet the rest of your criteria though.
That’s fine if they don’t have any debt. You’d be surprised how many people are wallowing in debt when looking at their credit report. If a first time renter is living with their parents, I’d expect them to have quite a nest egg saved in their bank account. Around here they don’t. I had a 19 yr old first time renter try and boss me around, critiquing my process. She had a low credit score, probably from online shopping, too many visits to TJ Maxx and not paying her bills.
Most of them have a credit score of Zero. They all live debt free.
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If you live debt free, even if you don’t carry any available lines of credit or open accounts, you should still have a credit score above 600. Not zero.
It’s difficult to get below 600 unless you are late paying your bills all of the time AND you have running debt.
There are programs out there that I was looking at for my tenants (one of whom is my son) in which their rent could be reported as being paid on time and would help their credit score.
I don’t remember the name of the company but I thought it looked like a good idea at the time.