So before anyone jumps on me, I realize this was an error on my part and I should have been more thorough with everything. However, I was not.
Anyway… I’m up for my ts/sci reinvestigation. I’m assuming it’s safe to say that credit is a factor in this. This is the only thing that really worries me.
You see, I had a credit card for a store and I paid regularly that is until I PCS’d in 2018. All of my mail got forwarded to my current address except this one. When I would pay the bills I would just look at what needed to be paid and pay it.
Well not an excuse, but you know out of site out of mind. And I haphazardly assumed it was paid off, that is until I went to buy a new car and this was brought to my attention. I was told by the dealership that this card was 120-140 days late. Obviously I was surprised because I never received anything (upon talking to the cc company they still had my old address and had my phone # off by one #).
I contacted the card company and we did a settlement (surprisingly this was the only option they would give me). Now it was not paid in full, but it is now at least settled (status actually says settled for less than full amount, but when looking at balance it says $0) and no longer owe anything for this card (part of the settlement).
So here is where I’m worried. This account was closed and charged off, but once I realized the issue I paid the settlement.
Since this is now settled, do I have anything to worry about? I’m in my 13th year in the military and am praying this doesn’t affect my clearance.
Again, I realize that this is my error and my fault.
Thanks for any help