I’m a recent government employee and was only told by the HR to complete an SF85 (NACI) for entry. I was later informed by the IA officer that my investigation should have been a Secret.
10 years ago, I had to submit an SF86 for the contract position (IT). I completed the form to the best of my knowledge. I wasn’t aware I would have had an fa interview with the investigator when this occurred but it never happened. During those 10 years, I’ve continued to work for 3 contract companies and was laid off in April due to contract downsize. Just months before the unexpected lay off, the FSO has told me that my clearance has/will expired and would need to resubmit for investigation. FSO had also told me that my investigation was classified as an NDM which is No Determination Made. I asked for specifics and he could not me give details as JPAS was undergoing some system change. In any case, the FSO initiated a reinvestigation but was never sent the eqip link. The FSO suggested that he will initiate again 30 days prior to the expiration. Unfortunately, that investigation never got initiated and has expired when i left my position. I did, however, got a chance to speak to another FSO and specifics on what the NDM means. She basically says that because I was a contractor, the company I worked for had to sponsor.
I’m assuming I’ll be submitting an SF86 and I’ve noticed that the content has significantly changed from 10 years ago.
Now to the current situations that I’m concerned about.
- I have a credit card debt totalling $47K (4 have balances and 2 with zero balance). My credit usage is at 73%. Prior to the unexpected layoff, I was on a debt snowball plan. Paying more than the minimum.
- I have had 2 derogatory remarks that was found on my credit reports in Jan 2018.
a) It was a “closed” credit card for $26 which was labeled 150 days delinquent. There were no collections made just that creditor closed it. This item was later removed off the report since it has reached the 7 years scope.
b) I had a medical bill of $89 was marked as 150 days delinquent in 2015. This was paid off but was still listed on the reports as negative. I requested the credit bureuas to remove the item since it was already paid. The item was removed off the reports.
- I was unemployed for approximately 4 months (receiving unemployment insurance benefits).
–There was a question on the SF 86 that if I was delinquent over 120 days in the past 7 years.
Should I disclose item 2B since that was in 2015 but its no longer on the credit report?
How do i explain the high credit usage when it was due to frivolous spending but I am working to continue the debt snowball plan now that I’m employed?
There was a question of if I have ever financial supported a foreign contact.
- I have an aunt who is a US permanent resident that a rent a room from. Should I enter this information?
I have had no DUI, criminal records, bankruptcies, judgements, court records, or drug/alcohol abuse. I have no mortgage or car loans.
How does this look on me getting a clearance?