No, if you have other prospects that you believe would qualify why bother with one you already question yourself.
Being a landlord requires taking every possible step to mitigate your risk through selection of tenants.
It is always better to be selective in choosing a tenant rather than having to evict after the fact. This individual has already proven they have money management issues so why chance making their proven deficiencies your risk when you have other choices. Base your decisions on the facts you see not on what you may hope will happen.
When in doubt regarding any applicant chose the best don’t settle for the first. Good tenants are chosen not molded.
As far as credit reports are concerned I always do a credit search. For an experienced landlord there is a myriad of information in the report of value besides simply the credit score.
For example it’s nice to know what creditors may be stalking your potential applicant for your rent money. All info is of value when choosing between applicants.