Summary
The applicant, a 49-year-old defense contractor employee, faced security clearance denial under Guideline F due to unresolved financial issues, including nine delinquent accounts totaling approximately $41,769. The administrative judge found that the applicant failed to provide evidence of efforts to mitigate these financial concerns, leading to significant doubts about his reliability and trustworthiness.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant has an automobile-loan account with an unpaid balance of $19,541 that was placed for collection and charged off after the vehicle was reportedly voluntarily repossessed in June 2018 (1.a). Applicant has an apartment lease account with an unpaid balance of $7,272 that was placed for collection (1.b). Applicant has a medical account with an unpaid balance of $1,073 that was placed for collection (1.c). Applicant has a cellular telephone account with an unpaid balance of $1,007 that was placed for collection (1.d). Applicant has a medical account with an unpaid balance of $810 that was placed for collection (1.e). Applicant has a medical account with an unpaid balance of $511 that was placed for collection (1.f). Applicant has a credit union automobile-loan account with an unpaid balance of $5,463 that was placed for collection and charged off (1.g). Applicant has a credit union credit-card account with an unpaid balance of $4,663 that was placed for collection and charged off (1.h). Applicant has unspecified expenses associated with his university enrollment with an unpaid balance of $1,429 that was placed for collection (1.i).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b). The decision turned on the following: The applicant had nine delinquent accounts totaling approximately $41,769, indicating a failure to satisfy debts; The applicant did not provide evidence of any efforts to resolve or mitigate his financial issues; The applicant's financial problems were deemed not under control, raising doubts about his reliability and trustworthiness.
Why the Applicant Was Denied
- The applicant had nine delinquent accounts totaling approximately $41,769, indicating a failure to satisfy debts.
- The applicant did not provide evidence of any efforts to resolve or mitigate his financial issues.
- The applicant's financial problems were deemed not under control, raising doubts about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
Key Rule Quoted
“Eligibility for access to classified information is denied.”
Procedural Posture
- SOR issuedApr 13, 2022
- Answer filed—Applicant elected to have his case decided on the written record.
- Hearing held—Decision made based on written record.
- Decision dateOct 26, 2022
Cite For
- Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
- Failure to Demonstrate Efforts to Mitigate Financial Problems
- Significant Doubts About Reliability and Trustworthiness Due to Financial Distress