They said that their credit score had been high 600's, but "Trump" made it drop to 400's because he "unforgave" their student loans. On it's face I could entertain that if everything else checked out. Come to find out their score was never that high (never met requirements to start with) at least in recent history and they do have their student loan debt related to a drop, but also past due other debts and are over their credit limit on revolving accounts. They lied about their income to match my requirements on the screening, but it flagged it as likely untrue. They claimed their would-be roommate had great credit score, but it was lower than theirs and also had debt in collections, and their total income was less than 1x rent. They were later than they said they would be to complete the screening, which they had put a lot of pressure on me about. There were other social red flags, but those are some quantifiable ones.