Summary
A 37-year-old information technology specialist and former Navy service member was denied a security clearance due to financial considerations under Guideline F. The applicant faced concerns stemming from seven delinquent debts totaling approximately $39,648. These included a past-due mortgage loan of $16,537 with a balance of $290,149, an $8,150 deficiency after repossession, and a charged-off credit card account for $5,615 from November 2012.
Additional debts comprised two cellphone accounts referred for collection, one for $3,713 in September 2014 and another for $619 in November 2012. A debt to a city government for $129 from October 2013 and another account referred for collection for $4,984 in October 2014 also contributed to the concerns.
Although the applicant resolved one debt, the denial was based on his admission to all allegations and his failure to provide sufficient documentary evidence to support claims of debt resolution or disputes for the remaining obligations. The applicant also did not demonstrate responsible conduct or participation in financial counseling for his debts.
Why the Applicant Was Denied
- The applicant admitted to all allegations of delinquent debts totaling approximately $39,648.
- The applicant failed to provide documentary evidence to support claims of debt resolution or disputes.
- The applicant did not demonstrate responsible conduct or financial counseling for his debts.
Conditions Referenced
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(b)appliedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Unlikely to Recur
- AG ¶ 20(b)rejectedConditions Beyond the Person's Control
- AG ¶ 20(c)rejectedReceived Financial Counseling
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue Creditors
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the 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 issuedJul 10, 2016
- Answer filedNov 4, 2016Requested decision on the written record without a hearing.
- Hearing held—No hearing; decision based on written record.
- Decision dateOct 25, 2017
Cite For
- Denial Based on Inability to Resolve Multiple Delinquent Debts Under Guideline F
- Importance of Providing Documentary Evidence to Support Claims of Debt Resolution
- Expectation of Responsible Conduct in Financial Matters for Security Clearance Eligibility.