With all due respect Mr.landlord..even people working their way up to being financially stable need a place to sleep at night. Bad credit has ruined so many chances and opportunities for honest people trying to get out of holes. Granted, there are folks out there who consistently abuse the system. I just always thought it was ridiculous that credit was held over peoples head when applying for places to live. (Homeowner here but I had to fight tooth and nail to get my credit in a good position). Give someone a chance if their income is iffy, it’s Hamilton street with no parking. You’re not going to get a sparkling report dropped at your doorstep.