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The security process in my experience is very much about how much of what they find you were forthcoming with and announced on the forms.

If you missed a payment there is a section of the background paperwork you fill out proving information on it. It is very likely you would be denied if you left that section blank and had a missed payment, or if you changed jobs, or addresses very often and did not list all of them with proper references so they could verify them. But you will be denied basically because you lied not because of the missed payment or address changes.



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