A complete credit check is required because you want to know the payment history for these applicants. You want to find out if they make good on their financial obligations. You’re also looking for evictions or judgments. It’s important to know whether they can even get utilities turned on in their name. If they owe money to AT&T, they won’t have a phone and that’s probably no big deal. But if they have outstanding debts to PG&E and can’t get their utilities turned on, that’s an issue.