Summary
The applicant, a 34-year-old employed full-time with a Federal contractor, faced security clearance denial under Guideline F due to unresolved financial issues totaling approximately $87,887. Despite admitting to some debts, the applicant failed to provide sufficient evidence to mitigate concerns regarding reliability and trustworthiness, leading to the denial of his clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: an account referred for collection in the approximate amount of $60,639 (1.a). is a consumer charge account referred for collection in the amount of $6,847 (1.b). alleges a jewelry account charged off in the amount of $4,916 (1.c). alleges a consumer credit account referred for collection in the amount of $1,786 (1.d). alleges a consumer credit account referred for collection in the amount of $1,289 (1.e). alleges a medical account referred for collection in the amount of $810 (1.f). alleges a Federal tax debt for tax year 2016 in the amount of $11,600 (1.g).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c), AG ¶ 19(f). The decision turned on the following: The applicant had unresolved debts totaling approximately $87,887, raising concerns about reliability and trustworthiness; The applicant failed to provide sufficient documentation to support disputes over debts and did not demonstrate efforts to resolve them; The applicant admitted to three debts but did not provide evidence of payments or settlements for those debts.
Why the Applicant Was Denied
- The applicant had unresolved debts totaling approximately $87,887, raising concerns about reliability and trustworthiness.
- The applicant failed to provide sufficient documentation to support disputes over debts and did not demonstrate efforts to resolve them.
- The applicant admitted to three debts but did not provide evidence of payments or settlements for those debts.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 19(f)raisedFailure to File or Fraudulently Filing Annual Federal, State, or Local Income Tax Returns
Key Rule Quoted
“A person who seeks access to classified information enters into a fiduciary relationship with the Government predicated upon trust and confidence.”
Procedural Posture
- SOR issuedJun 29, 2018
- Answer filedJul 20, 2018
- Hearing held—Applicant requested a decision on the written record.
- Decision dateFeb 15, 2019
Cite For
- Insufficient Evidence to Mitigate Financial Concerns Under Guideline F
- Failure to Demonstrate Responsible Financial Behavior
- Impact of Unresolved Debts on Security Clearance Eligibility