Does USAREC really check credit and DTI?

SGT Private RallyPoint Member — Thu, 28 Jan 2021 12:39:51 -0500

Response by SFC Michael Hasbun made Jan 28 at 2021 1:04 PM

SFC Michael Hasbun — Thu, 28 Jan 2021 13:04:35 -0500

Of course.

Response by SSgt Christophe Murphy made Jan 28 at 2021 1:30 PM

SSgt Christophe Murphy — Thu, 28 Jan 2021 13:30:34 -0500

It isn't uncommon for any Command to run financials on their people. Especially if you hold an elevated clearance or have a position that is considered high vis. That is standard SOP to identify anyone who can be exploited.

Response by SGT Private RallyPoint Member made Jan 28 at 2021 1:33 PM

SGT Private RallyPoint Member — Thu, 28 Jan 2021 13:33:20 -0500

Thanks guys. I just have a few big credit cards but nothing delinquent just don’t want to waste my time applying then getting rejected or yanked out in the middle of school

Response by SFC Private RallyPoint Member made Jan 28 at 2021 3:53 PM

SFC Private RallyPoint Member — Thu, 28 Jan 2021 15:53:53 -0500

If you don't have any delinquent debt, you should be fine. Delinquent debt is an issue for things like recruiting or security clearances. People who regularly are working to pay off their debt isn't an issue.

Response by SSG Brian G. made Jan 28 at 2021 9:40 PM

SSG Brian G. — Thu, 28 Jan 2021 21:40:15 -0500

Yes. Any command can run this and it is normal in cases of security clearance positions above secret and any position of real authority. This is to insure that you are not a risk and cannot be exploited by a foreign or even local influence.

As long as you are not seriously delinquent, are paying your debt down or are actively managing it you are fine.

Response by SGT Private RallyPoint Member made Apr 9 at 2021 2:21 AM

SGT Private RallyPoint Member — Fri, 09 Apr 2021 02:21:36 -0400

Yes. But it shouldn't be a problem if you aren't delinquent with anything.

Back in the olden days it was said that the problem children trended towards being Privates with 29% interest loans on "almost new"/"dealer demo" pony cars, SSGs (with the help of their spouses) writing more checks than they had money, and CPTs with credit cards.