The Individual is employed by a DOE contractor and has held a DOE access authorization since 1980. DOE Exhibit (Ex.) 6. In October 2006, after reviewing the Individual’s credit report during a routine reinvestigation in connection with her security clearance, the Local Security Office (LSO) requested that the Individual participate in a Personnel Security Interview (PSI) in order to discuss concerns raised by the Individual’s finances. DOE Ex. 14. The Individual’s security clearance was continued at that time. DOE Ex. 6. During a subsequent routine reinvestigation of the Individual’s security clearance in 2011, concerns regarding the Individual’s delinquent accounts and outstanding judgments surfaced. The LSO to request that the Individual participate in two PSIs in February 2012 (DOE Exs. 12, 13) with the Individual, to discuss issues pertaining to her finances. During the PSIs, the LSO also learned that the Individual had omitted an outstanding judgment on her August 2011 Questionnaire for National Security Positions (QNSP). DOE Exs. 11, 13. After reviewing the Individual’s personnel security file, the LSO informed the Individual in a May 2011 Notification Letter that there existed derogatory information that raised security concerns under 10 C.F.R. §§ 710.8 (f) and (l) (Criteria F and L, respectively). See Notification Letter, March 29, 2012. The Notification Letter also informed the Individual that she was entitled to a hearing before a Hearing Officer in order to resolve the security concerns.