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.