but, i stand by the view that a credit check is essentially useless for low income people.

you could have spotless credit. if you're low income, and you get fired, you're fucked. you could default. you could get evicted for non-payment. and, it wouldn't have anything to do with your existing credit. it's just a function of being poor.

it works the other way, too: you could have terrible credit, because you were fired, and you were evicted. you could have defaulted. you might live on social assistance, or you might have just had a bad year. it doesn't mean you're not getting money in NOW.

a credit check is designed for middle income people making middle income investments. it's an abuse of the procedure to use it as a means test to allow or disallow low income people into housing - because it's as likely to be wrong in it's conclusions as it is to be correct.