Summary
A 45-year-old federal contractor translator was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons cited 12 charged-off and collection accounts totaling approximately $14,466. Additionally, the applicant disputed nine medical collection debts, claiming they were covered by insurance, and denied responsibility for three delinquent credit card accounts, asserting her husband opened them without her permission.
The denial was based on the applicant's failure to demonstrate a track record of financial stability. The judge found that the 12 charged-off accounts, totaling approximately $14,466, indicated significant financial instability. Furthermore, the applicant did not provide sufficient evidence to mitigate concerns regarding the credit card debts she attributed to her husband.
Ultimately, the applicant's inability to establish financial stability raised doubts about her reliability and trustworthiness, leading to the denial of her security clearance.
Why the Applicant Was Denied
- The applicant has 12 charged-off accounts totaling approximately $14,466, indicating financial instability.
- The applicant failed to provide sufficient evidence to dispute credit card debts opened by her husband without her consent.
- The applicant did not demonstrate a track record of financial stability, raising doubts about her reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlWhile the applicant claimed her husband's unauthorized use of her credit was beyond her control, she failed to substantiate her separation from him.
- AG ¶ 20(c)rejectedReceived Financial CounselingThere was no evidence of financial counseling provided.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant did not demonstrate a good-faith effort to resolve her credit card debts.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute DebtsThe applicant failed to document her dispute of the credit card debts.
Key Rule Quoted
“Any doubt concerning personnel being considered for national security eligibility will be resolved in favor of the national security.”
Procedural Posture
- SOR issuedApr 23, 2018
- Answer filedMay 25, 2018
- Hearing held—Decided on the written record.
- Decision dateDec 20, 2018
Cite For
- Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
- Failure to Demonstrate Financial Stability as a Basis for Security Clearance Denial
- Insufficient Evidence to Mitigate Financial Concerns Related to Spouse's Actions