# SF-85P With overall bad credit
**URL:** https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986
**Category:** SECURITY CLEARANCE Q&A
**Created:** [January 31, 2019, 10:22am UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986 "2019-01-31T10:22:46Z")
**Posts on this page:** 8
**Page:** 1
### Author:  [@atcforme](https://discuss.clearancejobsblog.com/u/atcforme)
#### Post date: [January 31, 2019, 10:22am UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/1 "2019-01-31T10:22:46Z")
Hello everyone,
I have some questions in regards to my public trust that is currently being investigated.
Yesterday, I submitted my E-Qip for a public trust clearance so that I can start working as an Air Traffic Controller with a government contract company. I am waiting for a “condition clearance” in order to start my job in a couple weeks. I have outstanding debt that is in collections due to some financial difficulties and overall not knowing how to balance a budget when I was younger. I submitted 4 collections and 1 charge off on the SF-85p.
I’m just stressed about it not accepted because I have the outstanding debts. I’m finally in a situation where I can pay these debts off. I am in the process of contacting the companies so that I can start payment plans.
Does the investigators take into account that I have been paying my bills on time and that I have started making steps to pay off the outstanding debts?
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### Author:  [@ipsecmerlin](https://discuss.clearancejobsblog.com/u/ipsecmerlin)
#### Post date: [January 31, 2019, 3:10pm UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/2 "2019-01-31T15:10:49Z")
Yes as long as your attempting to pay off the delinquencies you should be OK if there aren’t any other issues to mitigate.
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### Author:  [@atcforme](https://discuss.clearancejobsblog.com/u/atcforme)
#### Post date: [January 31, 2019, 3:28pm UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/3 "2019-01-31T15:28:31Z")
Awesome, thank you. I’ve never had any issues with the police or anything like that. My only worry was the financial portion.
Do they also take into account that I have held a secret clearance for the past 9 years?
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### Author:  [@ipsecmerlin](https://discuss.clearancejobsblog.com/u/ipsecmerlin)
#### Post date: [January 31, 2019, 10:19pm UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/4 "2019-01-31T22:19:02Z")
Yes they take everything into account. They use the whole person concept. Pluses and minuses.
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### Author:  [@EdFarmerIII](https://discuss.clearancejobsblog.com/u/EdFarmerIII)
#### Post date: [February 1, 2019, 2:33pm UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/5 "2019-02-01T14:33:27Z")
Of interest to the adjudicator will be the circumstances that led to the debt, what you did about it at the time and what you are doing about it now.
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### Author:  [@atcforme](https://discuss.clearancejobsblog.com/u/atcforme)
#### Post date: [February 1, 2019, 3:42pm UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/6 "2019-02-01T15:42:18Z")
Thank you for the responses,
I will update you guys on what the decision is.
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### Author:  [@Stephen\_Shapiro](https://discuss.clearancejobsblog.com/u/Stephen_Shapiro)
#### Post date: [April 27, 2019, 12:32am UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/7 "2019-04-27T00:32:00Z")
Hey, This is very similar to the position I’m in. Do you have any update on this?
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### Author:  [@atcforme](https://discuss.clearancejobsblog.com/u/atcforme)
#### Post date: [April 27, 2019, 3:32am UTC](https://discuss.clearancejobsblog.com/t/sf-85p-with-overall-bad-credit/5986/8 "2019-04-27T03:32:19Z")
I just told them the truth and explained my situations and what I was doing to fix them. I got the contracted job. Then the FAA hired me last month using the same investigation.