Hey, I’m thinking about applying for a security clearance, but I’ve had one late payment on my credit. Does anyone know if that’s a dealbreaker? I don’t have any other financial issues, but IDK if even one mistake could mess it up. Would love some insight on this.
Nah, one late payment isn’t a huge deal for security clearance. They’re more concerned with patterns of financial problems.
Hartley said:
Nah, one late payment isn’t a huge deal for security clearance. They’re more concerned with patterns of financial problems.
Phew, that’s a relief. So, they only care if it’s like a repeat thing?
Hartley said:
Nah, one late payment isn’t a huge deal for security clearance. They’re more concerned with patterns of financial problems.
Exactly. If you’ve only got one late payment and nothing else, it’s not likely to raise a red flag.
Just be honest about it if it comes up during the process. They look at how you handle financial issues too.
Ira said:
Just be honest about it if it comes up during the process. They look at how you handle financial issues too.
Got it, so being upfront is key? I’ll keep that in mind, thanks!
FYI, they usually care more about big debts or bankruptcies than one-off late payments.
Dezi said:
FYI, they usually care more about big debts or bankruptcies than one-off late payments.
Oh, that’s good to know! What counts as ‘big debt’ though?
Dezi said:
FYI, they usually care more about big debts or bankruptcies than one-off late payments.
Typically anything over $3,500 delinquent. Anything smaller is usually not a major issue.
When I applied, they didn’t even ask about my late payments. It’s more about your overall responsibility.
Montana said:
When I applied, they didn’t even ask about my late payments. It’s more about your overall responsibility.
That’s good to hear! Did they ask about anything else on your credit?
Montana said:
When I applied, they didn’t even ask about my late payments. It’s more about your overall responsibility.
Not really, just the big stuff. As long as you’re not hiding anything, you’ll be fine.
IDK if you knew this, but they’re more interested in how you fix problems. Making good-faith efforts helps a lot.
Vale said:
IDK if you knew this, but they’re more interested in how you fix problems. Making good-faith efforts helps a lot.
Oh, that’s interesting. So just showing I’m on top of things now is enough?
Vale said:
IDK if you knew this, but they’re more interested in how you fix problems. Making good-faith efforts helps a lot.
Exactly! They just want to see you’re responsible moving forward.