Summary
A 29-year-old IT specialist with military service was denied a security clearance under Guideline F (Financial Considerations) due to unresolved delinquent debts totaling approximately $25,780. The Statement of Reasons detailed several specific financial issues, including an admitted charged-off vehicle account for $20,830 that remained unresolved.
While the applicant disputed a $401 collection account, which was subsequently deleted, and stated a $2,729 past-due account was removed due to a reporting error, other debts lacked sufficient resolution evidence. For instance, a $622 cell phone collection account was claimed to be settled for $249, but no proof of payment was provided. Similarly, two medical accounts, for $521 and $395 respectively, were admitted and stated to be removed from her credit report, but without evidence of payment for the $521 account.
The administrative judge found that the applicant provided insufficient evidence of good-faith efforts to resolve her debts and did not seek financial counseling or provide documentation of her financial situation. These factors led to the denial of the security clearance.
Why the Applicant Was Denied
- The applicant had unresolved delinquent debts totaling approximately $25,780.
- The applicant provided insufficient evidence of good-faith efforts to resolve her debts.
- The applicant did not seek financial counseling or provide documentation of her financial situation.
Conditions Referenced
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
Key Rule Quoted
“Failure to live within one's means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual's reliability, trustworthiness, and ability to protect classified or sensitive information.”
Procedural Posture
- SOR issuedFeb 25, 2022
- Answer filedMar 10, 2022
- Hearing held—Applicant requested a decision on the record without a hearing.
- Decision dateNov 1, 2022
Cite For
- Insufficient Evidence to Mitigate Financial Concerns Under Guideline F
- Failure to Demonstrate Good-faith Efforts to Resolve Debts
- Impact of Financial Irresponsibility on Security Clearance Eligibility