Hi,
I wouldn't be too worried about it. You have 2 options, like JT said, be up front about it if you want or 2) just wait and see if they even ask. I think it depends on the agency, because I don't think all agencies run credit checks, some just verify employment and income and then you list your monthly expenses.
Just have faith and research the agencies and see who you feel comfortable with. You can always ask them in a phone call if it is an issue and they don't have to know who you are.
Take Care,
LBL
