Hi just wanted to ask for advice and thoughts on my current situation. I currently am in the background investigation part in regards to a TS clearance for a three letter agency, but wanted to ask if my current application might already result in a denial.
I did disclose that I had financial issues on my SF-86, I had 15,000 in credit card debt that I had accrued from some poor spending as well as a mix of using for bills and expenses. I did move this over to a personal loan but I was not approved for a full amount and have 5,000 left on my credit cards.
Would this be seen as a denial if my credit utilization now is around 35%? I currently do not have any credit card debt in collections and do not have any missed payments or delinquent accounts.
I unfortunately also recently got into an accident and cannot use my car which was paid off, if I apply for a car loan would this result in a security clearance denial? and wanted to also ask for advice if I were to be approved for a car loan and it falls under my debt to income ratio even though this during the background investigation would this also have me denied?