Summary
A 63-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons alleged 12 delinquent accounts totaling $40,712, with 8 of these accounts having been charged off. These conditions raised disqualifying concerns under Adjudicative Guidelines (AG) ¶ 19(a), (b), and (c).
While the applicant acknowledged her financial difficulties and attempts to assist family members, she failed to provide sufficient documentation to demonstrate efforts to address her debts. Her claims of financial counseling and debt resolution were unverified and lacked supporting evidence.
The administrative judge concluded that the applicant did not mitigate the security concerns related to her ongoing and unresolved financial situation. Despite the application of mitigating conditions under AG ¶ 20(a), (b), (c), and (d), the lack of verifiable evidence led to the denial of her eligibility for access to classified information.
Why the Applicant Was Denied
- The applicant failed to provide sufficient documentation to support her claims of addressing her debts.
- The applicant's financial difficulties were ongoing and unresolved, with 12 delinquent accounts totaling $40,712, 8 of which were charged off.
- The applicant's claims of financial counseling and debt resolution were unverified and lacked supporting evidence.
Conditions Referenced
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(b)appliedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- AG ¶ 20(b)rejectedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- AG ¶ 20(c)rejectedThe Individual Has Received or Is Receiving Financial Counseling for the Problem From a Legitimate and Credible Source
- AG ¶ 20(d)rejectedThe Individual Initiated and Is Adhering to a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“Eligibility for access to classified information is denied.”
Procedural Posture
- SOR issuedMar 13, 2019
- Answer filedMar 28, 2019
- Hearing held—Decided on the written record.
- Decision dateJul 23, 2019
Cite For
- Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
- Insufficient Documentation to Support Claims of Debt Resolution
- Failure to Demonstrate Good-faith Efforts in Addressing Financial Obligations