Summary
The applicant, a 34-year-old security and management specialist for a Department of Defense contractor, faced security concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations) due to significant financial delinquencies and omissions in his security clearance application. The judge found that the applicant had made substantial efforts to resolve his financial issues and demonstrated good character through positive testimonials from supervisors and family, ultimately granting his security clearance.
Under Guideline E (Personal Conduct) and Guideline F (Financial Considerations), the Statement of Reasons alleged the following: The $595 debt in SOR ¶ 1.a concerns a phone debt held by a creditor (1.a). The $2,614 debt in SOR ¶ 1.b concerns education costs (1.b). Applicant stated that he paid the $91 medical bill in SOR ¶ 1.c, but that he did not have verifying information (1.c). SOR ¶¶ 1.d ($1,615) and 1.e ($1,016) involve the same account, as shown by the account numbers on the February 2, 2010 and August 24, 2010 credit reports (1.d). SOR ¶¶ 1.d ($1,615) and 1.e ($1,016) involve the same account, as shown by the account numbers on the February 2, 2010 and August 24, 2010 credit reports (1.e). The $3,024 debt in SOR ¶ 1.f and the $4,418 debt in SOR ¶ 1.m involve the same 10-year-old military loan (1.f). The $17,924 debt in SOR ¶ 1.g concerns an automobile owned by Applicant and his wife (1.g). The debts in SOR ¶¶ 1.h ($6,126), 1.i ($3,766), and 1.l ($8,144) concern the same education debts (1.h). The debts in SOR ¶¶ 1.h ($6,126), 1.i ($3,766), and 1.l ($8,144) concern the same education debts (1.i). The debts in SOR ¶¶ 1.j ($8,664) and 1.k ($10,492) relate to the time share (1.j). The debts in SOR ¶¶ 1.j ($8,664) and 1.k ($10,492) relate to the time share (1.k). The debts in SOR ¶¶ 1.h ($6,126), 1.i ($3,766), and 1.l ($8,144) concern the same education debts (1.l). The $4,418 debt in SOR ¶ 1.m involves the same 10-year-old military loan (1.m). The $524 debt in SOR ¶ 1.n concerns a medical bill (1.n).
The judge granted the clearance. The government raised disqualifying conditions F.1.a, F.1.c, E.2.a. The judge applied mitigating conditions F.2.a, F.2.b, F.2.c, F.2.d, F.2.e. The decision turned on the following: The applicant demonstrated a good faith effort to resolve many of his financial delinquencies; He provided evidence of his current financial stability and responsible management of finances; Positive character references from supervisors and family supported his reliability and trustworthiness.
Why the Applicant Prevailed
- The applicant demonstrated a good faith effort to resolve many of his financial delinquencies.
- He provided evidence of his current financial stability and responsible management of finances.
- Positive character references from supervisors and family supported his reliability and trustworthiness.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- E.2.araisedDeliberate Omission, Concealment, or Falsification of Relevant Facts
- F.2.aappliedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- F.2.bappliedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- F.2.cappliedThe 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
- F.2.dappliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- F.2.eappliedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due Debt
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedJun 5, 2010
- Answer filedJul 1, 2010
- Hearing heldNov 18, 2010
- Decision dateFeb 8, 2011
Cite For
- Mitigating Conditions for Financial Considerations Under Guideline F
- Character References Supporting Reliability and Trustworthiness
- Impact of Personal Conduct on Security Clearance Eligibility