Dots, Not sure this is the topic, but just thought I would add that having been a landlord, though not of a slum, I certainly understand the reasons for credit and background checks though they too can be of little value.

I had residential property and an office building that I managed myself for a while. Boy what an experience.
There is little that will destroy your faith in people like renting property to them. The nicest people seem to be the worst. Renting to people and businesses who proclaimed their Christianity almost turned me into an atheist.
Thank the lord I sold that property and don't do that any more. Amen!!
smile