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The video tutorial highlights that while it's easy to blame the government for delays in background investigations, applicants often contribute to these delays. Three common issues with the SF-86 form include: 1) Omissions and errors, particularly related to recalling past addresses and supervisors; it's acceptable to estimate dates if marked as such. 2) Outright errors, like omitting an arrest or inaccurately listing an employer, often arise from not reading the form carefully. 3) Ignorance regarding financial history; applicants should obtain a credit report before applying for a clearance. While security clearance investigations take time, avoiding these mistakes can help ensure they proceed smoothly.