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Is Having Bad Credit a Disqualifier from a Security Clearance? The list of SEAD 4 guidelines used in the background checks that determine whether you can be granted a security clearance includes finances, so bad credit can derail your application. It also can be a reason your existing clearance might be revoked.
You can get your free credit report from Annual Credit Report. That is the only free place to get your report. You can get it online: AnnualCreditReport.com, or by phone: 1-877-322-8228. You get one free report from each credit reporting company every year.
Personal information in your credit report name. date of birth. current and previous addresses. current and previous telephone numbers. social insurance number. driver's licence number. passport number. current and previous employers.
Accessing someone else's credit report or credit score is not as easy as requesting your own credit report for free. You need to be a member of Equifax or TransUnion to access their services, which is cost prohibitive for most individuals who only need to pull credit checks periodically.
You have been convicted of a felony within the past 10 years. You have a significant history of financial problems with heavy indebtedness and late payments (over 180 days), bad debts, fairly current tax liens, repossessions and garnishments.