Your privacy comes first: every inquiry is confidential, we never contact your command, your employer, or your security officer, and you can handle everything by text and email without a single phone call.
Permissible LLC helps military members and DoD contractors dispute inaccurate, unverified, unfair, or outdated items on their credit reports and document good-faith debt resolution, the factor Guideline F adjudicators explicitly weigh. We are a private Charleston company, not affiliated with the Department of Defense, any branch of service, or any government agency.
No card required. No obligation.
Confidential by default: no calls unless you ask for one
Licensed in South Carolina, $25,000 bond
Local: Charleston metro, minutes from JB Charleston, since 2018
Not affiliated with DoD. We are a private consumer services firm.
What Guideline F Actually Looks At
Financial considerations appear in roughly half of DOHA clearance denial cases, but adjudicators do not apply a simple credit score cutoff. Under the adjudicative guidelines, what matters is the pattern and your response:
- Whether delinquencies arose from circumstances beyond your control (a PCS move, a medical event, a divorce)
- Whether you have initiated and documented a good-faith effort to repay or otherwise resolve debts
- Whether there is a reasonable basis to dispute the legitimacy of a past-due debt, and whether you have evidence of actions taken to resolve the issue
That last mitigating condition is where credit report accuracy matters. If your report contains collections that are not yours, duplicated, misreported, or past the reporting limit, a documented dispute is both your FCRA right and part of your paper trail.
What We Do for Clearance Holders
- Full three-bureau review with a written summary you can keep for your own records
- Disputes of items that may be inaccurate, unverified, unfair, or outdated, with copies of all correspondence for your files
- Debt-validation requests to collectors under the FDCPA
- Educational guidance on documenting resolution efforts
What We Do Not Do
- We do not provide legal advice or represent you in clearance proceedings. For a Statement of Reasons or a DOHA hearing, consult a security clearance attorney.
- We cannot remove accurate, current, verifiable debts, and we would never advise disputing a debt you know is yours. A false dispute is itself a candor problem you do not want.
- We cannot promise any clearance outcome. Adjudicators decide.
Built for Deployment Schedules
- Start by text or the online form, any hour. No phone call required at any point.
- Free analysis delivered in writing, reviewable on your schedule, on your phone.
- Exact pricing before you decide: $79, $99, or $129 per month, billed after each month’s work. Most clearance-sensitive clients choose Full Advocacy for priority handling.
- Monthly written updates you can archive as documentation of ongoing resolution efforts.
Every credit situation is different. Results vary and no outcome can be guaranteed.
From Military Families
Individual results vary and are not guaranteed.
My husband’s reinvestigation was coming and two collections from our last PCS were not even ours. Everything was handled over text while he was TDY. Discreet, organized, and they sent us copies of every letter for our records.
Military spouse, Goose Creek
Clearance Credit Questions
Will using a credit repair service affect my clearance?
Hiring a licensed firm to dispute inaccurate items is an exercise of your FCRA rights and is generally consistent with the guideline’s favorable view of responsible action. What hurts is ignoring debts or disputing debts you know are valid. We document everything so your file shows good-faith effort.
Does my command find out?
Not from us. We never contact your command, employer, or security officer, and we communicate only through the channels you choose. Your self-reporting obligations under your agency’s rules are yours to follow; we can help you keep clean documentation for them.
Start By Text. Stay By Text.
No card required. No obligation.