Credit report and the Army

gizarn, I don't think it affects your commission but rather could affect your security clearance which then could impact the commission.... I would google security clearance and your problem.

The impact is normally not a low credit score but someone who is in a situation that is desperate for money and thus likely to do something drastic... so i understood this to be huge debt or gambling problems... or perhaps crazy low credit score - I'm not a clearance expert and also don't know the extent of your problem. if it were simply a below avg credit score i'd try to raise it and not worry to much.. if it were something severely abnormal... i would panic.

v/r and good luck

:yeahthat: Totally agree with Just Cause. In fact, when I interviewed for a job with the INS I was told outright that the reason they do a thorough back-ground check (this was before September 11th) was in case you were in debt and you might be tempted to do something illegal, or there was opportunity for "blackmail" r/t your financial situation.

I knew of a nurse in the Reserves that did not obtain a security clearance r/t the amount of debt she was in.

athena

So can you still be comissoned in the Army Reserves as a RN without obtaining a security clearance?

I doubt you need a security clearance to work in the hospital. If you do need one, it would be the basic type and not the top secret kind which usually means you have a job dealing with government secrets.

Hi

i would suggest you be totally upfront and honest it's going to be crappy. I've lost my home and my car, d/t the economy . I was upfront to the recruiter about this. He didn't seem all that concerned about this and was quite certain it would not be as much of a factor as what I thought it would be (I was actually quite embarrassed by it). What they do seem to be concerned about is whether you have a repeat record about it. What I mean is do you have a lot of charge-off's? Do you have a lot of bankruptcy's etc?

Also, it can get tougher as you get higher in rank. My bf who is not in the healthcare profession, a year and a half ago had to deal with this. He is a Major in the Reserves but needed to request a hearing to obtain a security clearance d/t his credit. He was successful, but needed to show some effort in clearing some things up.

BTW, my packet goes to board tomorrow. I hope this helps and you're a bit more encouraged.:nuke:

:redpinkhe:redpinkhe

Hi

i would suggest you be totally upfront and honest it's going to be crappy. I've lost my home and my car, d/t the economy . I was upfront to the recruiter about this. He didn't seem all that concerned about this and was quite certain it would not be as much of a factor as what I thought it would be (I was actually quite embarrassed by it). What they do seem to be concerned about is whether you have a repeat record about it. What I mean is do you have a lot of charge-off's? Do you have a lot of bankruptcy's etc?

Also, it can get tougher as you get higher in rank. My bf who is not in the healthcare profession, a year and a half ago had to deal with this. He is a Major in the Reserves but needed to request a hearing to obtain a security clearance d/t his credit. He was successful, but needed to show some effort in clearing some things up.

BTW, my packet goes to board tomorrow. I hope this helps and you're a bit more encouraged.:nuke:

Thanks for sharing.... and good luck to you and all!!!!!!!!!!!!!!!!!!