In regards to the financial aspect of the background checks, specifically credit/FICO scores, my question is this: do they focus only on the applicant's credit/FICO score, or do they combine your spouse's credit/FICO score into the overall analysis?
Background: I have some unpaid debt. I am actively involved in clearing this up. Most of debt is from school loans, which I am also paying on, i.e., in good standing. However, my spouse, who also has some debt that she (we) are paying on, too has school loan debt, which is markedly much higher than my own.
I am currently under the impression, from my research, that financial "baddies" are typical, and perhaps represents the lion's share of issues applicants for security clearances face. Obviously, doing nothing shows a level of irresponsibility, which cannot be overlooked, which is why I am very pro-active in clearing up old debts, and managing my credit rating.
However, I have no clue if my overall debt will be combined with my spouse's debt. There is a part of me that says, "uh, yeah" but I just do not know. Is there someone who can shed some light on this?
Thank you in advance.