Hello everyone! Been a lurking for a while and am reaching out for some additional advice or information that anyone might be able to provide as far as my situation goes. Currently going up for a renewal of a secret clearance for the Air Force. Also I apologize if the post is a little long just trying to be transparent of what’s going on to receive the best advice as well what I might an expected outcome be as far as a decision.
First clearance was granted in 2013 while I was 17 and getting ready to ship out in June of that year for basic.
No criminal, Drug, Alcohol issues or Tax issues.
Issues stem from financial problems I caused myself due to being irresponsible and having an immature mindset about money. Was a young enlisted member and made little money at the time while living on the west coast. Instead of being responsible I made poor choices.
Had 5 accounts in collections with each amount less then $2500. All accounts are paid and no longer delinquent. Then had two charge offs for a combined amount of about $2,300. Only two collections still appear on reports across the three Credit bureaus showing 0$ balance. I have documentation for all accounts showing paid. Issues were back in 2018-2019. I have had made on time payments for the last three years. Will list every account regardless of showing or not showing on credit report.
After doing some growing up and realizing that having a child like mentality when it comes to money or any major things in your adult life is not the way to go, it has changed my mentality in many aspects of life. At some point in your life you have accept responsibility of your actions and i only wished I had reached that conclusion with my self sooner and probably would have never put my self in that situation in the first place. Currently in a really good spot as far as my finances and it’s been really refreshing try to put that past and issues behind me. I used to be embarrassed by and I’ll admit I still am a little, but I also am motivated to never do that again.
I wanted to take care of these issues not because of my clearance but just to fix my overall situation in life. I am currently engaged getting ready to start a family hopefully soon and I just want someone my future family and wife can look up to and be proud of.
Anyways, just looking for any advice, clearance world or not that one might share their wisdom with. I know that there are about of folks in here that have probably been around the block a time or two that have some great clearance or life advice. Thanks guys!