Summary
The applicant, a 36-year-old married woman with two children, sought access to sensitive information in her role as a Claims Customer Service Representative. The case involved financial difficulties, specifically overdue debts totaling approximately $32,000. The judge denied the application due to the applicant's failure to provide evidence of resolving her debts or demonstrating financial stability.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: This overdue debt is cited in the SOR for a collection account in the amount of $5,258 (1.a). This overdue debt is cited in the SOR for a charged-off account in the amount of $3,029 (1.b). This overdue debt is cited in the SOR for a collection account in the amount of $2,579 (1.c). This overdue debt is cited in the SOR for a collection account in the amount of $628 (1.d). This overdue debt is cited in the SOR for a charged-off account in the amount of $2,273 (1.e). This overdue debt is cited in the SOR for a charged-off account in the amount of $2,879 (1.f). This overdue debt is cited in the SOR for a collection account in the amount of $7,512 (1.g). This overdue debt is cited in the SOR for a charged-off account in the amount of $627 (1.h). This overdue debt is cited in the SOR for a collection account in the amount of $3,608 (1.i).
The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The decision turned on the following: The applicant failed to provide independent evidence of resolving or reducing her significant delinquent debts; The applicant did not submit a personal financial statement or any documents to show her current financial position is stable; The applicant's financial difficulties raised concerns about her reliability and trustworthiness.
Why the Applicant Was Denied
- The applicant failed to provide independent evidence of resolving or reducing her significant delinquent debts.
- The applicant did not submit a personal financial statement or any documents to show her current financial position is stable.
- The applicant's financial difficulties raised concerns about her reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations
Key Rule Quoted
“Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness and ability to protect classified [or sensitive] information.”
Procedural Posture
- SOR issuedSep 18, 2015
- Answer filedOct 23, 2015Requested decision on written record.
- Hearing held—No hearing; decided on written record.
- Decision dateFeb 3, 2017
Cite For
- Financial Considerations Under Guideline F
- Impact of Unresolved Debts on Security Clearance Eligibility
- Whole-person Concept in Security Clearance Decisions