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Summary

The applicant, a 33-year-old assembly mechanic, faced security clearance denial under Guideline F due to significant financial issues, including multiple charged-off accounts and a history of failing to meet financial obligations. The administrative judge found that the applicant did not provide sufficient evidence of mitigating circumstances and concluded that he did not demonstrate the reliability or trustworthiness necessary for access to classified information.

Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant has a charged-off account for about $20,350 (1.a). Applicant has a charged-off account for about $3,012 (1.b). Applicant has an account placed for collection for about $2,708 (1.c). Applicant has an account that is past due for about $808 with a total balance of $34,791 (1.d). Applicant has a vehicle-related state tax debt for about $2,000 (1.e).

The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant had multiple charged-off accounts totaling over $28,000; He failed to provide documentation of payments or efforts to resolve his debts; The applicant did not demonstrate responsible behavior in managing his financial obligations.

Why the Applicant Was Denied

• The applicant had multiple charged-off accounts totaling over $28,000.
• He failed to provide documentation of payments or efforts to resolve his debts.
• The applicant did not demonstrate responsible behavior in managing his financial obligations.

Conditions Referenced

Procedural Posture

• SOR issuedDec 27, 2024
• Answer filedJan 9, 2025
• Hearing heldJul 25, 2025via Microsoft Teams
• Decision dateSep 26, 2025

Cite For

• Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
• Failure to Provide Sufficient Evidence of Mitigating Circumstances
• Importance of Documented Proof in Financial Obligation Cases