Maybe I’ve just become very cynical on this issue, having once been denied employment requiring a TS clearance. At the time, I had perfect credit and no police record. The only negative info. came from some co-workers at a part-time job that I worked at while in school. These were all “developed” (non-authorized) contacts.
Then I read in this forum about cases such as the one discussed here, and also another one I recently read elsewhere in the blog from someone who was IMPRISONED for INVOLUNTARY MANSLAUGHTER in the early '00’s, who inquires as to whether he would now be able to obtain a security clearance!
The whole BI and clearance process is an outrageous can of worms, which leaves many qualified applicants out in the cold.