First off, I’m a newbie to this process. I’m potentially being offered a new job that requires a security clearance. I’ve never applied for one before but have been preparing for the process by reading this blog to identify any potential issues before I have to submit my paperwork. I ran my credit reports and noticed 2 negative items from 2012 and 2015. The 2012 issue is a charged-off HELOC loan for $39k from my previous marriage. My 2015 issue is a charged-off credit card for $9k that has been closed, charged-off, and sold to another lender. The problem is there is not another lender listing this debt on my credit reports. I have no other debt (no credit cards, mortgages, car loans, etc.).
To address the 2012 HELOC loan, is it better to call the lender and negotiate a settlement or is that viewed in a negative way by the clearance personnel?
For the 2015 credit card, is there anything I need to do (or can do) to address the issue since I do not have the new company information?
Thanks for your help.