Put ten people in front of me and if I had to hire one,, The one I will not pick is the one that has a perfect credit score. Especially if he has anything in common with me. I will be developing a Potential competetior. Just because they have no record of theft does not mean he dosn't steal. He might be good at it. So now he can steel my clients and get a loan for new vehicles insurance/advertising budget etc:

The one I would hire is the one with a newborn especially if he has risk of foreclosure. Reason is if that baby's smile or a foreclosure Bank letter dosnt motivate him do you think I can. I would fire him immediately if he acted like a slacker. Give someone a chance and pull him out of a bad time of his life and You have a Loyal employee.