Summary
The applicant, a 51-year-old defense contractor employee, faced security clearance denial under Guideline F due to unresolved financial issues, including multiple delinquent debts totaling approximately $24,318. The judge found that the applicant failed to provide sufficient evidence of financial responsibility or efforts to mitigate her debts, leading to concerns about her reliability and trustworthiness.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: This is an automobile installment loan with a high credit of $16,467 and past-due balance of $12,401 that was placed for collection and the vehicle was repossessed (1.a). This is another automobile installment loan with a high credit of $11,649 and past-due balance of $11,490 that was placed for collection. The creditor charged off $6,515 in November 2013. The vehicle was eventually repossessed (1.b). These are unspecified accounts with unpaid balances of $2,133, $687, $502 (for a telephone account), and $250 (for insurance) that were placed for collection (1.c). This is a charge account with a high credit of $4,200 and a past-due balance of $991 that was placed for collection (1.d). This is an account with an unpaid balance of $43 that was placed for collection (1.f). This is a medical account with an unpaid balance of $796 that was placed for collection (1.g).
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 nine delinquent debts totaling approximately $24,318, which were unresolved; The applicant failed to provide documentation supporting her claims of payments or financial stability; The applicant did not submit a Personal Financial Statement or evidence of financial counseling.
Why the Applicant Was Denied
- The applicant had nine delinquent debts totaling approximately $24,318, which were unresolved.
- The applicant failed to provide documentation supporting her claims of payments or financial stability.
- The applicant did not submit a Personal Financial Statement or evidence of financial counseling.
Conditions Referenced
- AG ¶ 19(a)appliedInability to Satisfy Debts
- AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations
Key Rule Quoted
“An applicant needs only to establish a plan to resolve financial problems and take significant actions to implement the plan.”
Procedural Posture
- SOR issuedNov 13, 2017
- Answer filedDec 8, 2017Applicant elected to proceed without a hearing.
- Hearing held—Case decided on the written record.
- Decision dateJun 8, 2018
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Importance of Providing Evidence of Financial Responsibility
- Requirements for Establishing a Plan to Resolve Financial Problems