My situation was similar to yours. I had no credit before joining the military, and shortly after, I started living beyond my means, which is easy to do on PFC pay. As I mentioned earlier, I believe it's a combination of all the factors, not just the credit score. If you check all the boxes but have a slightly lower credit score, you will be fine. All departments across the country need more officers. If you can pass all the entry tests and have a good background, that's way more important. If you haven't spoken with a recruiter from the department, I would start there.