"My understanding is that a security clearance has as part of its process a full background records check."
No.
The amount of digging that goes into one's background depends greatly on both the agency conducting the investigation AND the clearance level being issued.
A confidential clearance (aka Position of Public Trust) clearance may only involve a finger print and credit history review.
Secret may not be much more invasive than the PPT investigation, or it may come pretty close to the effort carried out for a Top Secret.
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