Originally Posted by NakedAnimal
I qualify ASVAB-wise for any job in the Navy, but recently my credit card debt has been sent to a debt collection agency and I have not contacted them yet.
What do I need to do in order to get the Intelligence job that I want which requires security clearance?
Or should I apply for jobs which don't require security clearance.
My guess is that the best thing for me to do is contact the collection agency and make any payments I can while retaining the receipts.
Guys, I'm worried and I'd love any help from someone who can.
Security clearance is based on the whole person concept. They will interview you extensively and contact a number of your references, then 'develop' more people to talk to.
They are looking for two fundamental concepts: can you be trusted to tell the truth-even when it's not in your interest, and do you have anything in your background that can be used as leverage to blackmail you?
For everything that disqualifies you, there are also things (usually actions you take) that 'mitigate' those disqualifiers. After the clearance interviews are over, they are packaged up and sent to an 'adjudicator' who then determines whether, based on all the evidence, you should be granted or denied the clearance.
Almost anything can be mitigated-with sincere remorse, acceptance of your responsibility, real actions taken to clean up the damage, and time
You have an uphill battle if the debt just
went to collections. Your best bet is absolutely to contact the collection agency and try to work something out. Document every contact with them, and if and when the clearance interview happens-you
volunteer everything about the debt and your actions to satisfy it. Don't hold back hoping they won't find out-they will pull the credit report and see easily something is going on, and if they have to, start digging. If they find out you were trying to hold something back, that is far worse than the debt issues themselves.
The factors that disqualify you, and what mitigate those disqualifiers, can be easily googled and is completely public. It absolutely mystifies me why people act like it's some huge secret or mystery.