Summary
A 45-year-old assistant facility security officer was granted a security clearance despite initial concerns under Guideline F, Financial Considerations. The Statement of Reasons (SOR) cited three charged-off accounts totaling approximately $50,000. Specifically, SOR 1.a detailed a $31,182 credit card debt, while SOR 1.b and 1.c referred to two additional charged-off accounts with the same creditor, amounting to $9,094 and $9,583 respectively.
Disqualifying conditions under Adjudicative Guidelines (AG) ¶ 19(a) and AG ¶ 19(c) were raised due to these financial issues. However, the applicant successfully mitigated these concerns. All charged-off accounts have since been paid, demonstrating a commitment to financial responsibility.
The decision to grant the clearance was supported by the application of mitigating conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(c), and AG ¶ 20(d). The applicant's financial difficulties were attributed to circumstances largely beyond her control, including job loss and family obligations. Furthermore, she received financial counseling and has shown a sustained commitment to responsible financial management, leading to a stable current financial situation.
Why the Applicant Prevailed
- All charged-off accounts have been paid, demonstrating financial responsibility.
- The applicant's financial difficulties were largely due to circumstances beyond her control, including job loss and family obligations.
- The applicant has received financial counseling and has shown a commitment to managing her finances responsibly.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)appliedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- AG ¶ 20(b)appliedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- AG ¶ 20(c)appliedThe Person Has Received or Is Receiving Counseling for the Problem And/or There Are Clear Indications That the Problem Is Being Resolved or Is Under Control
- AG ¶ 20(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedApr 21, 2010
- Answer filedMay 11, 2010
- Hearing heldSep 14, 2010
- Decision dateMar 18, 2011
Cite For
- Mitigation of Financial Issues Under Guideline F
- Impact of Personal Circumstances on Financial Obligations
- Importance of Demonstrating Financial Responsibility for Security Clearance Eligibility