The individual began working at a DOE site in March 1992. Tr. at 87. In September 1999, his employer requested an access authorization for him. Ex. 8. Around then, the individual had completed a Questionnaire for National Security Positions (QNSP), which showed that he had a judgment of $6,000 and four delinquent accounts totaling $5,068. Ex. 9 at 1. In October 1999, the individual’s credit report showed that he also had five charged-off accounts totaling $4,576 and one collection account totaling $179. Id. In February 2000, the local security office (LSO) mailed the individual a Letter of Interrogatory (LOI) to request specific information about his finances. Id. at 2. The individual failed to respond to the LOI, so in May 2000, the LSO discontinued processing his application for an access authorization.