Summary
A 39-year-old defense contractor and veteran was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The Statement of Reasons detailed several financial issues, including an unpaid judgment of $5,739, the underlying debt that led to this judgment, and $2,861 in child support arrearages. Additionally, the applicant had a $203 past-due debt and a $314 charged-off debt.
While the applicant refuted the personal conduct concerns, the financial issues remained unmitigated. Disqualifying conditions F.19.a, F.19.b, and F.19.c were raised, and mitigating conditions F.20.a, F.20.b, F.20.c, F.20.d, and F.20.e were considered.
The denial was based on the applicant's history of financial problems, including the unpaid judgment and child support arrearages. Furthermore, the applicant failed to provide documentation to support claims of debt resolution or financial stability. The recency and ongoing nature of these financial issues ultimately led to the denial of the security clearance.
Why the Applicant Was Denied
- The applicant has a history of financial problems, including an unpaid judgment and child support arrearages.
- The applicant did not provide documentation to support claims of debt resolution or financial stability.
- The applicant's financial issues are recent and ongoing, casting doubt on his reliability and judgment.
Conditions Referenced
- F.19.araisedInability to Satisfy Debts
- F.19.braisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- F.19.craisedHistory of Not Meeting Financial Obligations
- F.20.crejectedReceived Financial CounselingThe applicant has not received formal financial counseling.
- F.20.drejectedGood-faith Effort to Repay DebtsThe applicant did not provide evidence of a good-faith effort to resolve debts.
- F.20.bappliedConditions Beyond ControlThe applicant's financial issues were partially due to his wife's job loss.
- F.20.arejectedBehavior Occurred Long Ago or InfrequentlyThe applicant's financial issues are recent and ongoing.
- F.20.erejectedDispute Legitimacy of Past-due DebtThe applicant did not provide documentation to dispute the debts.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedJan 6, 2017
- Answer filedMar 1, 2016
- Hearing heldJun 27, 2017
- Decision dateOct 30, 2017
Cite For
- Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
- Insufficient Evidence of Good-faith Efforts to Resolve Debts
- Refutation of Personal Conduct Concerns Under Guideline E