Summary
A 55-year-old male applicant, seeking a security clearance for a defense contractor, was denied access to classified information due to concerns under Guideline F (Financial Considerations) and Guideline E (Personal Conduct). The applicant admitted to approximately $122,745 in delinquent debts, including multiple charged-off accounts, past-due credit card balances, and collection accounts. Specific examples included an $8,188 charged-off account, a $912 past-due credit card, and five collection accounts totaling $5,122.
Additionally, the applicant acknowledged falsifying information on his November 16, 2015 e-QIP. While the judge found that the personal conduct issue was not intentional, the applicant failed to provide sufficient documentation to mitigate the financial concerns.
The denial was based on the applicant's numerous and recent delinquent debts, a lack of evidence demonstrating good-faith efforts to resolve them, and the absence of a plan to address his financial issues or proof of financial counseling.
Why the Applicant Was Denied
- The applicant did not provide sufficient documentation to mitigate financial concerns under Guideline F.
- The applicant's delinquent debts were numerous and recent, with no evidence of good-faith efforts to resolve them.
- The applicant failed to present a plan to address his financial issues or provide evidence of financial counseling.
Conditions Referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(b)raisedUnwillingness to Satisfy Debts
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened Long Ago or InfrequentlyThe applicant's debts are numerous and recent.
- AG ¶ 20(b)rejectedConditions Beyond the Person's ControlWhile unemployment contributed to the debts, the applicant did not demonstrate responsible actions.
- AG ¶ 20(c)rejectedReceived Counseling for the ProblemThe applicant did not provide evidence of financial counseling.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant did not present sufficient evidence of efforts to resolve debts.
Key Rule Quoted
“Any doubt concerning personnel being considered for national security eligibility will be resolved in favor of the national security.”
Procedural Posture
- SOR issuedNov 24, 2016
- Answer filedDec 16, 2016
- Hearing held—Applicant elected to have the matter decided on the written record.
- Decision dateOct 25, 2017
Cite For
- Insufficient Documentation to Mitigate Financial Concerns Under Guideline F
- Failure to Demonstrate Good-faith Efforts to Resolve Delinquent Debts
- Non-intentional Omission of Debts on Security Clearance Application Under Guideline E