Summary
A 35-year-old former munitions handler was denied a security clearance under Guideline F (Financial Considerations) due to approximately $46,600 in delinquent debts, many of which dated back over a decade. The applicant faced multiple allegations, including a college collection account she disputed as a "mistype" without formal documentation, and several medical collections where her credit report contradicted her claims of payment plans or resolved balances.
Specific debts included a charged-off account where partial payments were made, a telecommunications collection account she claimed was paid in full for a slightly different amount, and a disputed collection recovery effort she believed was settled. She admitted responsibility for some medical collections, while disputing others based on their appearance on her credit report, though her provided report sometimes showed conflicting information.
Additionally, the applicant had two adverse judgments, one from 2013 for $693, which she felt should be split with an ex-boyfriend but had not pursued, and another from 2010 for $3,399 related to a child's birth without health insurance, which she stated she could not address due to court payment policies. The denial was based on her failure to provide adequate documentation of efforts to address her financial issues, obtain medical insurance, or present a reasonable plan to manage her significant debts.
Why the applicant was denied
- Applicant has approximately $46,600 in delinquent debts, with many dating back over a decade.
- Applicant failed to provide adequate documentation of efforts to address her financial issues or obtain medical insurance coverage.
- The applicant's financial situation remains a significant concern, as she did not demonstrate a reasonable plan to manage her debts.
Conditions referenced
- AG ¶ 19(a)raisedInability to Satisfy Debts
- AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Inability to Do So
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue CreditorsApplicant made some payments on her delinquent debts.
- AG ¶ 20(e)appliedReasonable Basis to Dispute the Legitimacy of the Past-due DebtApplicant disputed several accounts, although documentation was lacking.
Key rule quoted
“The protection of the national security is the paramount consideration.”
Procedural posture
- SOR issuedDec 18, 2017
- Answer filedJan 25, 2018Requested determination based on written record.
- Hearing held—
- Decision dateMay 23, 2018
Cite for
- Failure to Mitigate Financial Considerations Under Guideline F
- Importance of Providing Evidence of Financial Management Efforts
- Impact of Long-standing Delinquent Debts on Security Clearance Eligibility