One year from the date of the final decision before you submit a reconsideration request.
Regarding to your particular situation, I wanted to capture something here. You said that you “didn’t think they were on my credit.” That statement, alone, tells a reasonable person that you did not do your due diligence (homework) when you submitted the eQIP. Couple that statement with the fact that you were, again, unprepared during the background investigation interview in which you were confronted with derogatory information. I would presume that you did not show evidence that these debts were taken care of (paid off, etc.) If I am mistaken in my assumption, please feel free to correct me. Nonetheless, I find that alarming.
There was an appeal case a while ago, in which the applicant was able to show that the applicant did not intentionally falsify the form and those mistakes were honest mistake. However, the administrative judge and appellate judge(s) upheld the applicant’s denial because the applicant had not shown that the applicant could be trusted with classified materials (ie: doing due diligence).
Point being here, why should the Government trust you with classified materials when you couldn’t take care something as simple as your own “house.”
I take exception to your statement regarding to clearance holders who had much worst issues and yet they were cleared while you weren’t. I will go out of the limb and say that those who disclosed adverse information and were cleared are those who display level of integrity and responsibility. Those are the people I would entrust with classified materials that could endanger the lives of our warfighters and our nation not you.
Now, nobody is perfect. Everybody makes mistakes, including me. If you decide to apply for reconsideration in at least one year’s time. I urge you to think long and hard about your principles and your responsibility. Finally, I urge you to consult a security clearance attorney before you re-apply in at least one year’s time.