The Transportation Security Administration (TSA) does perform a credit check as part of its background investigation, but "bad credit" alone does not automatically disqualify an applicant. Instead, the TSA looks for specific financial red flags that could indicate a person is a security risk or susceptible to bribery. According to 2026 hiring guidelines, the primary disqualifiers are delinquent Federal or State taxes and unpaid child support. A history of high debt or a low credit score is generally acceptable as long as you are not currently in default on government-related obligations. If an applicant has a bankruptcy on their record, it is usually not a dealbreaker provided it has been discharged and the individual has shown responsible financial behavior since. The goal of the credit check is to ensure that officers are "reliable and trustworthy." If you have a complicated financial history, the TSA often allows you to provide a written explanation or documentation showing that you are on a "payment plan" to resolve any outstanding debts, which can significantly improve your chances of passing the background phase.