I am currently employed with a Secret clearance with DOD as a Civilian.
Six years ago, I was diagnosed with cancer. Due to the medical bills, I fell behind on some credit card payments. All were less than $2,500 combined. They went into charge-off (three accounts) and all have been paid in full since this period of time.
I currently have no debt outside my student loan, which is current and around $10K.
We are switching over to the new system so my clearance is being reinvestigated since it’s older than 5 years. I will report my mistakes, but how bad is this? I still have cancer (it’s treatable for life but incurable), but we have now included these costs into our yearly budget and built a savings so we shouldn’t run into financial issues again. Otherwise, I have no issues - no legal issues, no drugs/drinking/gambling, no foreign contacts, no overseas travel, same job the last 7 years, etc…