Summary
A 51-year-old software architect was denied a security clearance under Guideline F (Financial Considerations) due to significant financial irresponsibility. The applicant admitted to 12 delinquent debts totaling approximately $95,877. Specific allegations included a credit card charged off for $5,097 and numerous other unresolved delinquent debts.
The denial was based on the applicant's failure to demonstrate responsible action regarding most of these debts. While the applicant made a good-faith effort to resolve one debt of $5,097, there was insufficient evidence of financial counseling or efforts to address the remaining obligations.
Disqualifying conditions under AG ¶ 19(a) and AG ¶ 19(c) were raised, and mitigating condition AG ¶ 20(d) was applied. However, the overall pattern of financial irresponsibility and the failure to resolve the majority of the outstanding debts led to the final decision to deny the security clearance.
Why the Applicant Was Denied
- The applicant admitted to having 12 delinquent debts totaling approximately $95,877.
- The applicant failed to demonstrate responsible action regarding most of the debts, except for one debt of $5,097.
- The applicant did not provide sufficient evidence of financial counseling or efforts to resolve other debts.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue CreditorsThe applicant adhered to a good-faith effort to resolve the debt of $5,097.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedOct 17, 2024
- Answer filedNov 15, 2024
- Hearing heldSep 24, 2025via video teleconference
- Decision dateNov 17, 2025
Cite For
- Financial Irresponsibility Under Guideline F
- Good-faith Efforts to Resolve Debts
- Impact of Personal Circumstances on Financial Obligations