Summary
A 38-year-old senior computer analyst and DOD contractor was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial issues. The Statement of Reasons detailed three specific allegations: a judgment filed in 2009 for $13,014, another judgment filed in 2010 for $3,356, and a debt placed for collection for $4,413. These issues raised disqualifying conditions under Adjudicative Guidelines (AG) ¶ 19(a), (b), and (c).
While mitigating conditions under AG ¶ 20(a), (b), (c), (d), and (e) were considered, the judge ultimately found them insufficient. The denial was based on the applicant's failure to provide adequate evidence of resolving his financial problems.
Specifically, the applicant did not submit corroborating documentation regarding his debts or demonstrate sufficient efforts to resolve them. This lack of evidence led to unmitigated concerns about his reliability and trustworthiness, resulting in the denial of his security clearance.
Why the Applicant Was Denied
- The applicant provided insufficient evidence of resolution of his financial issues.
- The applicant did not submit corroborating documentation regarding his debts or efforts to resolve them.
- The applicant's financial problems raised unmitigated questions about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)raisedA 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
- AG ¶ 20(d)rejectedThe Individual Initiated and Is Adhering to a Good-faith Effort to Repay Overdue Creditors
- AG ¶ 20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due Debt
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedJun 10, 2016
- Answer filedJun 29, 2016Applicant did not request a hearing.
- Hearing held—
- Decision dateOct 6, 2017
Cite For
- Insufficient Evidence of Financial Resolution Under Guideline F
- Importance of Corroborating Documentation in Financial Cases
- Presumption Against Granting Security Clearance When Financial Concerns Are Unmitigated