6 months is not unusual from the time we submit after we review to ensure everything is answered in the format required. My client doesn't use JPASS or Equip, All of our SF 86's are filled out in ink, hand scanned and submitted. Once we have the COTR sign the form we submit. So I would not get anxious until 6 months from the date the submit button was pressed. Once you see a credit pull was conducted that means it is actively moving forward and you are being investigated. There are varying levels of review and gates to meet along the way. If you just missed the batch going to the next level, your package sits until the next batch moves up. For my client we submit for TS Full Scope Polys. The average is 4 to 5 months before they get a call from an investigator for an interview, if no hiccups, 4 to 5 months before getting a scheduled Poly (30 days out, and often rescheduled for higher priority clearances) and another 4 to 5 months after that before either getting told of the need for another Poly, a special interview, or notification of clearance...or denial. For Secret, if you have zero criminal history and zero traffic incidents (a few won't hurt, but reckless drivings, DUI's, driving on suspension, no insurance tickets can and will hurt), and credit is average/normal 650 to 680 FICO, and work history is clean, not too many terminations, firings or job hopping...you will be fine. I have never seen a clearance denied for a mysterious reason. Always for concrete, known violations even if initially denied by the applicant. Items such as recent drug use to include another person's medication or credit problems like unpaid or unspoken to federal tax debt or school loans that are delinquent, etc. I always tell our Secret cleared employees in upgrade status to TS if denied, come see me WITH the statement of reason from clearance division. Don't t ell me you forgot it, lost it, it didn't come, or you want to paraphrase from it. If you need my help with an appeal I need see the statement of reason and I can advise if any of it has mitigation to balance the denial. In some cases there isn't any. However, steady improvement in FICO over time can be a great way to challenge a denial on credit. As long as you move past 650ish you have a strong case.