Yes and no. Security clearance is not an individual decision but all matters that have significance to the task in question are investigated during the vetting. The applicant of a security clearance vetting (i.e. the employer, for example) decides independently which matters are relevant for recruitment. Former bad credit records, such as debt recovery procedures, may in some cases be information to be notified in the clearance. Bad credit records are dealt with on a case-by-case basis. Supo never takes a stand on the recruitment but the decision is always made by the employer.