I've been through the enhanced reliability check. I was flagged with an incident that happened 25 years ago, that's not the real issue. I'm being told to pay off 2 bills on my credit report, 1 being a 9 year old credit card bill that came back just this year. If I made enough money to begin with I wouldn't have those bills showing on my report. If I could pay them out right, I would. I can't afford to pay off 1 let alone 2. And by the time I can, I'm sure there will be a few others showing.
During my enlistment process, my credit as well was brought into question. However I had been dealing with a credit counselor prior to my application. I had taken a job that turned out to be a scam and had left me with 0 income, as a result I had no choice but to default on my payment plan. My recruiting officer had me contact my credit counselor who advised the forces that up until the poor employment choice I had been on top of my plan schedule, and was even paying extra, she also advised the CF that once employment was obtained the payment plan would be reinstated. This seemed to satisfy the forces that I was attempting to resolve my issues, I just got informed yesterday that I have been merit listed perhaps you could contact a credit service in your area. They are wonderful people who only have your best interests in mind. Just my two cents hope it gives you an option.