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so youve had financial problems but you put them behind you how to explain them lets find out im emmeline smith and this is clearance jobs tv the security clearance process is designed to predict future behavior based on past and current conduct when a person is acted honestly and responsibly in the recent past its much more indicative of their future conduct than something that happened far back in time for most people whove had financial difficulties the challenge is to effectively explain whats changed in their life and how it shows they wont get into trouble in the future the likelihood of a financial problem recurring is greatly reduced if it occurred long ago under unusual circumstances or was an isolated incident for example you might have unintentionally written a few bad checks lost track of a couple of bills when youd moved or had paid collection accounts from a few years ago favorable changes in financial habits and lifestyle can mitigate past problems too but rememb