DoD Security Clearance question. Had some problems.?

I had an interview today and this job requires DoD security Clearance. I've been in college for past 4 years so I couldn't work full time and wasn't making enough money with part time. I was on 15k debt in 3 years. I applied for debt settlement but later I found out I practically have to destroy my credit score to make this work. So i cancelled debt settlement plan and worked my way. Now I reduce my debt to $4000 but my once 750 credit score is ruined and I am at 640 now. Lowest I hit was 570 after not making payment for almost 3 months straight before I notice sudden decrease in my credit score(damn those debt settlement company never told me about this). Anyway, I am expecting to recover my credit score to 700+ in next 6 months or so. Would this be a problem to get DoD security clearance? I read the form and it says to check if I haven't made payment for 180+ days. I am kinda worried.