As a landlord, I am looking for red flags that will help me eliminate potentially irresponsible tenants.
When I pull your credit file, I get more than just a credit score .... I get a criminal records search and derogatory information report.
The score isn't everything, but I can see why it is lower and if it is due to recent info or stuff from years ago.
If I see a lot of recent late payments, I get concerned that you might be strapped and only one little hiccup could prevent you from making rent.
Also, it is hard for me to verify "good rental history" .... as unless you have been evicted, there really is not much rental history that can be verified. If I call a big property management company, they will only verify dates. If I call a small landlord .... how am I supposed to verify he/she really was your landlord and not just a friend whose cell number you slipped men for a reference. Plus the last landlord is useless as a reference, because if you are a horrible tenant, they will keep mum or perhaps even lie to get you off their property.