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NJ/NY Character and Fitness

Posted: Sat Mar 01, 2014 5:30 pm
by iamthegodofhellfire
A couple of potential black marks:

Being fired from a part-time job in college for excessive absenteeism

And credit card delinquency-not making payments for a few months (no excuse, just short on money). Sent to collections, but now out of collections.

Now, NJ only wants to know if you have been 90 days late on a credit card payment in the past 12 months. It's technically been 13 or 14 months, so I might not say Yes. But if I do say Yes-I've cut down the debt by about 1200 and now am less than 2000 in credit card debt (a couple more late payments though, oops). Would I be ok?

Re: NJ/NY Character and Fitness

Posted: Sat Mar 01, 2014 8:16 pm
by It's A Lion
Just disclose and explain. It's the people that don't disclose minor issues that get into serious C&F trouble.