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Credit History and Security Clearances

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  • Credit History and Security Clearances

    Does the Guard have credit criteria for obtaining a security clearance? This would slightly delay my efforts for reenlisting as a WOC candidate requires a security clearance. I am in the process of paying down my debt to raise my credit score in order to get a better interest rate on a new home. Yet I am approaching te cutoff age of 46 for the WOC. I have 5 years prior USMCR and US Army Reserve time under my belt. Any feedback is greatly appreciated.


  • #2
    The Guard has no separate criteria. All DoD clearances go through the Office of Personnel Management (OPM). Thus, if you can't get a clearance for the Guard, you won't get one for the Navy either.

    The problem with finances isn't so much that you have a bad credit rating, but that you continue to have a bad credit rating over a long period of time, and show no progress towards getting your act together. I recommend pursuing your goal, because you definitely won't get the clearance if you don't apply. Another way to guarantee you'll get denied is to hide any relevant information -- disclose everything up-front, because they will find out about it.