I'm always amazed by the number of applicants who get caught by background investigations. If you think the background investigator will wake up stupid that morning and let you slip through, please think again. Departments invest vast monies and resources to ensure that you are what they and their communities need. If you know deep down that you can't make the cut, save yourself some aggravation and potential embarrassment. I've seen applicants taken away in handcuffs.
Let's review a few areas of concern.
Your past credit history won't trigger an automatic rejection. I know times are hard, and you may have too many student loans or bad credit card discipline. Departments often view bad credit as an integrity indicator that opens the door for deeper review. If you have bills, do your best to tidy them up, because good effort will be rewarded.
In earlier times, drug use was an automatic rejection. Many departments now follow a policy requiring no recent use and a several-year gap. Some agencies will allow youthful indiscretions. Read all the application materials thoroughly to find out if you meet the requirements.
Please don't run to the local health-food store to pick up some ground-up herbs or poultice to mask use; they don't work. Many departments are switching to hair testing, which offers a more definitive and longer test window. Do some soul searching here. If you expect to test "hot" (positive), re-think your approach.