Yes you have no idea of his history.
He has wrecked rentals and walked out on a lease leaving trash and a cleaning bill when they moved to mexico. And that house was by a rental agency so that definitely got reported.
His truck is in repo and he is dependent on his dead mothers paypal account to survive. So he wont pass a credit check.
And lets just pretend he finds an agency that doesn't background or credit check.. if they just google his name he is done. The rental market is super tight right now in the US and landlords can afford to be picky.
It's really not appreciated how irrecoverably fucked is when it comes to finances and anything relatively tangential to finances. There are no potential avenues for a creditor, landlord, or anything of the sort to look at him favorably. It just gets worse the more you look:
- He makes around $500 a week
MAX.
- The money he does make goes to his dead mother's PayPal account, so it's anyone's guess whether he even has a bank account in his own name.
-He's got unforgivable student loans.
-He's a felon with a sex offense charge to boot.
- God only knows about the status of the PlayStation credit cards.
- Da fabled Ralphatruck he leased that disappeared in Mexico. Who the hell knows if that was returned, if it's rotting in some random garage, or the cartel has commandeered it.
- Delinquent child support payments with the most restrictive visitation rights imaginable without outright denying visitation.
- Extremely limited rental history in the US with the only one on record (at the ripe young age of 35) being left a fucking disaster.
- He has a very apparent, documented, and ongoing multi-substance abuse problem.
- There is no family you could possibly leverage if (when) you needed to claw money back.
And that's only things that popped up on the top of my head. Ralph doesn't give a single reason to even start considering giving him the benefit of the doubt. None! It really makes you wonder if there's anyone in an even worse spot than him. FFS, most homeless people's financial situations and background checks are leagues better than his. As a creditor or landlord, I'd be exponentially more comfortable with
CYRAXX'S financial history and background check over Ralph's. The former doesn't have any debt nor a history of squelching on debt, whereas the latter's file is just RISK written in big red letters over his picture.