Hi I am hoping to get confirmation that Im okay on how I fixed this issue or hoping to get advice about how to fix this.
I completed my SF-85 going over all my answers and disclosed delinquency on my student accounts which I explained and and I have since paid in full. But that is not the issue. What I did to make sure I was being correct in my answers is I pulled my credit reports which did reflect this. Problem is I forgot because I was going by my credit report that I had payments on a small credit card that also went delinquent and to a debt collector. I paid this and because it did not show on my credit reports I didn’t even remember when completing my SF-85. So I completed the security questionnaire without this. But between that time and releasing it I recalled this additional finance issue. You see filling out this form has made me so paranoid about double checking that I started going through and printing proof of payment info from my bank account and thats is how I stumbled on these payments I made for this credit card. I actually didn’t even realize this company was not part of credit card company, in fact I still have a credit card with this company. (I even called this company and learned why it was not in my report - something about deleting a trade line.)
So the problem is I needed to go back and fix an answer before releasing the submission but after completing the Sf-85. I contacted my security office POC to see if they could revert this and open it so I could correct that but no answer and I had to submit by today. So what I did was include a statement to amend my SF-85 and attached that and explained the answer should be yes and issue and signed it. And then released my E-qip. I figured its better to submit on time and explain fully how I would have explained in my SF-85. But now I’m worried.
Maybe some of y’all will say you will get denied for having these finance issues or not following the instruction. I’m not perfect and I had already checked the application 7 times alone before submitting. Literally had I not started to go through my bank account in old statements I wouldn’t have caught this thing I didn’t realize I failed to answer “yes” to.
TIA for any guidance.