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DoD doesn't really care about your credit rating - if they did, there wouldn't be a lot of sailors still on duty. What is key is your overall standing debt, because it makes you a potential target for extortion, coercion, espionage, etc. It also makes no difference if the debt was incurred by you or your wife - if you are legally responsible for it, it's an issue.

Keep in mind though that if you've paid off your debts, not only are you a rare commodity, but it shows responsibility as well. Also, it's the amount of debt that matters - most people are in debt up to their ears with car payments, mortgages, student loans for kids, etc. It's what the debt is for and how much that is also key. For example, 50k worth of credit card debt isn't cool, but up to 5k or 10k isn't unusual.

In other words - don't sweat it.

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Q: I have bad credit and paid all debts recently will my TS Security Clearance for Navy go through?
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