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 Has your applicant ever had a judgment placed against them?  What was it for?  Often, their civil court records can give you some idea of what sort of person they are.  A lot of judgments against a person are a sign of some sort of irresponsible attitude.  However, no judgments would obviously mean they have been aware of what their responsibilities are and what they need to take care of.  In this situation, no judgments are most definitely a good sign.

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