Preface with, I browsed some recent issues with reinvestigations and bad credit but still feel if I don’t ask I won’t sleep this weekend.
BLUF: I’ve never paid bills in my household and now after pulling a credit report for the first time in 8 years for my e-Qip, secret clearance reinvestigation, I see my spouse (and me, since my debts are my responsibility) didn’t pay our credit cards during 2012-2014.
We called the original creditors today and have set up payment plans to pay off the debts in 1 year. Total derogatory debts are 10k spread over 4 accounts. I’ve also called a credit counselor and begin seeing them next week. Finally I’ve been 100% honest on my e-Qip application and let my supervisor, who is also the security officer, know my situation.
I’m currently sitting between 637-665 on my three credit scores. Have one car payment of 165$ which has never been late over the span of 18 months. Have 2 credit cards sitting at 25% and 31% usage respectively, totalling 650$ debt and have never been late in 24 months.
I guess what I’m looking for is what all others have looked for…others who have had similar or worse stories and have had their clearances approved or revoked, your timeline and steps or tips you have to help in bettering my chances of getting approved.
I’m looking for any and all feedback.
I truly appreciate anyone’s help, time and response(s).