Paid Debt Am I ok?


#1

I am currently a Federal Contractor working in the same position for the past 7 years and I have a Confidential Clearance SF-85. My organization now wants to bump everyone up to Secret SF86.
I have no criminal record.
I cannot think of anyone that would give me a bad reference.
I however do have a $350 cell phone collection on my credit report that I paid off 5 years ago.
I have a Judgement against me from a major creidt card that did a charge off on me for $17k that is listed on the report. I paid this judgment and it is marked as paid. I actually paid $5K to settle it 3 years ago, but it is paid.
I also paid $5K to settle another major credit card that a collection agency threatened to sue me for unless I paid. This has since dropped off my credit report.
Question. Since I have paid and are now square with everyone and the only debt I have is my mortgagae with NO missed payments for 10 years and I am clean on the criminal side of things. How do my chances look to get approved for Secret?


#2

There should be no issue as long as there are no current delinquencies and you answer honestly and disclose all required information on the SF-86.