# Credit Impact on Clearance **URL:** \ **Category:** SECURITY CLEARANCE Q&A\ **Created:** [July 11, 2021, 11:18am UTC](https://discuss.clearancejobsblog.com/t/credit-impact-on-clearance/13361 "2021-07-11T11:18:18Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![Ready4achange](https://avatars.discourse-cdn.com/v4/letter/r/ba8739/32.png) [@Ready4achange](https://discuss.clearancejobsblog.com/u/Ready4achange)\ **Post date:** [July 11, 2021, 11:18am UTC](https://discuss.clearancejobsblog.com/t/credit-impact-on-clearance/13361/1 "2021-07-11T11:18:18Z")
How long after a credit check is conducted by the hiring agency can I expect to receive an EOD? Also if I have no issues with my credit other than too much credit and everything has been paid as agreed, so how does that impact me getting a secret or top secret clearance. Much of my credit debt is student loans. Do I have to worry that I won’t qualify for a interim clearance or will be denied? My credit score according to equifax is 605. Any information will be appreciated. ---
**Author:** ![sbusquirrel](https://sea2.discourse-cdn.com/flex016/user_avatar/discuss.clearancejobsblog.com/sbusquirrel/32/34_2.png) [@sbusquirrel](https://discuss.clearancejobsblog.com/u/sbusquirrel)\ **Post date:** [July 11, 2021, 1:23pm UTC](https://discuss.clearancejobsblog.com/t/credit-impact-on-clearance/13361/2 "2021-07-11T13:23:39Z")
> [@Ready4achange](#): > > Also if I have no issues with my credit other than too much credit Do you mean “too much debt?” If you are up to date on all payments that is a big plus. When you say “paid as agreed” does that mean there was some kind debt settlement? That might be a concern. In any case, the main concern is that your current financial situation is under control and you are not piling on lots of new debt. ---
**Author:** ![HARPOON](https://avatars.discourse-cdn.com/v4/letter/h/4da419/32.png) [@HARPOON](https://discuss.clearancejobsblog.com/u/HARPOON)\ **Post date:** [July 11, 2021, 6:16pm UTC](https://discuss.clearancejobsblog.com/t/credit-impact-on-clearance/13361/3 "2021-07-11T18:16:55Z")
> [@Ready4achange](#): > > My credit score according to equifax is 605. You’re not applying for a loan, so your credit score is irrelevant. ---
**Author:** ![Rbnbts](https://avatars.discourse-cdn.com/v4/letter/r/258eb7/32.png) [@Rbnbts](https://discuss.clearancejobsblog.com/u/Rbnbts)\ **Post date:** [July 12, 2021, 1:37am UTC](https://discuss.clearancejobsblog.com/t/credit-impact-on-clearance/13361/4 "2021-07-12T01:37:01Z")
timelines are different for everyone and the credit inquiry is not necessarily a way to gauge your timeline. I am not sure what you mean by “too much credit” - as this generally means you have access to a large amount of unused funds (such as a credit card or line of credit with a 20K available balance and you have used like $1K - for all reading, this is just a wild example). If you mean that you have a lot of debt (amount of money owed to various or one creditor/bank ) the main concern is deliqnuent debt (debt not paid on time). ---
**Author:** ![lmikelowrey](https://sea2.discourse-cdn.com/flex016/user_avatar/discuss.clearancejobsblog.com/lmikelowrey/32/110_2.png) [@lmikelowrey](https://discuss.clearancejobsblog.com/u/lmikelowrey)\ **Post date:** [July 12, 2021, 11:49pm UTC](https://discuss.clearancejobsblog.com/t/credit-impact-on-clearance/13361/5 "2021-07-12T23:49:15Z")
As long as you are making payments on your debt it won’t be a problem. A Credit check usually means your investigation just started. Could be months before you are contacted for an interview or a decision being made. Try not to think about it too much, live your life and hopefully a positive decision will come when you least expect it.