I don't know if this is too PL - if it is, I'll delete. I think it's relevant but you all might be "oh shut up, Clanger" and throwing old custard at me.
So I worked for a US company starting up here, and part of my job was setting credit limits (oooo the powa!) The standard procedure pretty much everywhere is to get a report from one of the houses - I think there were only about three, iirc - then go from there.
But I was surprised that the credit report was pretty much IT as far as the US was concerned. Full credit reports on businesses include all sorts, and the usual route here is to take it all into consideration; the accounts if included, BS, punctuality, staff movement etc etc. It's all important and it can give you a much wider picture, but stuff that can be a red flag - late filings, regular board changes and all that boring blah - isn't any part of a final credit rating. Nor, as
@Whatthefuck said, is your knockoff Coach purse full of tatty dollar bills. Your bank balance does come into it, but really only as a sort of average. But ultimately all that matters is that one rating, and there's no compunction on anyone to look any further. In the US, the number on that report really,
really matters.
There's no reason EnR should have a bad credit rating, but Albert and Thumbo's is likely a disaster. They've done virtually nothing to increase it, but in terms of rental that's not necessarily a bad thing and a letting agent would probably look beyond their credit score. But there's nothing to see, virtually no employment ever for one, patchy grunt work given up for no good reason by the other, the most high-risk form of income that could stop tomorrow, no contingency. For instance, just think how fucked Albert will be when the inevitable happens and advertisers start demanding their ads only run on positively-rated YTers. Granted,they are in Shithole City but even so, they look bad on paper, they have no back-up and both look very obviously unwell. Why on earth would any agent or landlord take the risk? Especially as general consensus is that she did a midnight flit from the last place and we know it was in one hell of a state.
In one of the early podcasts, Dear Leader said he couldn't buy a house in the US even tho he had a massive deposit, and it's because of the exact same situation the Cheesebeast is in - low credit score and no proof of stable income. So if he, a young and healthy guy with a saleable skill, a good reason for his low rating and a $50k deposit couldn't do it, Big Albert sure as shit can't. The only thing she has to offer a landlord is the potential for an Amber-shaped hole in the wall when she gets hauled out by a crane.
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