Summary
A 38-year-old defense contractor and military veteran was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). While the applicant disputed the personal conduct allegations, the decision primarily rested on unmitigated financial issues.
The Statement of Reasons detailed several financial concerns, including a $7,508 charged-off debt to a credit union and a $12,599 past-due debt for a timeshare property. Other debts included a $2,007 debt and a $326 debt, both of which were paid or settled. Additionally, a $714 debt and a $174 debt were not listed on recent credit reports, and a $140 delinquent public library debt was paid after the hearing.
The denial was based on the applicant's unresolved financial problems, which included 15 delinquent debts totaling approximately $33,800. The applicant provided contradictory information regarding these debts and failed to substantiate claims of payments to creditors. Ultimately, he did not demonstrate a good-faith effort to repay or resolve his overdue debts.
Why the Applicant Was Denied
- The applicant had unresolved financial problems, including 15 delinquent debts totaling about $33,800.
- He provided contradictory information regarding his debts and failed to substantiate claims of payments made to creditors.
- The applicant did not demonstrate a good-faith effort to repay overdue creditors or resolve his debts.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- F.20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant's financial issues are recent and ongoing, and he did not demonstrate a good-faith effort.
- E.17(c)appliedThe Offense Is so Minor, or so Much Time Has Passed, or the Behavior Is so Infrequent, or It Happened Under Such Unique Circumstances That It Is Unlikely to Recur
- E.17(d)appliedThe Individual Has Acknowledged the Behavior and Obtained Counseling to Change the Behavior or Taken Other Positive Steps
- E.17(e)appliedThe Individual Has Taken Positive Steps to Reduce or Eliminate Vulnerability to Exploitation, Manipulation, or Duress
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of national security.”
Procedural Posture
- SOR issuedFeb 10, 2015
- Answer filedJun 5, 2015
- Hearing heldDec 8, 2015
- Decision dateMar 28, 2016
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Disqualification Due to Unresolved Financial Issues
- Refutation of Personal Conduct Allegations Under Guideline E