BuddyLee said:
As Badgirl suggested, if I don't hold a criminal record and I pay my bills on time I should have no trouble at all?
I don't think that bills being paid on time is a big weighty factor. They look at it, because if you're too deeply in debt, you might sell out national security for some quick dollars, which makes you an unacceptable risk.
But if you've missed a phonebill here and there, or don't make car payments on time every single month, I don't think that would be a huge detriment to getting a clearance.
And I also don't think that a criminal record even bars you - depending on what is there. I think that any felony disqualifies you, but some misdemeanors, particularly those that don't involve stealing or violence, are not necessarily going to disqualify you.
The whole thing about clearance that they look for is "what kind of a risk to national security is this person?"
Things like larcony and theft paint you as someone who would sell out the country for some money. Things like DWI or drug charges paint you as someone who is unreliable and will likely sell out their country without even knowing it.
An indecent exposure charge for streaking a football field when you were 18 might be overlooked.
I don't know that for sure, as I have no firsthand experience.