Summary
This security clearance decision involved a 38-year-old senior database analyst whose financial history raised concerns under Guideline F (Financial Considerations). The Statement of Reasons detailed several delinquent accounts, including a $3,788 charged-off educational loan, a $3,414 delinquent mortgage, a $9,872 educational loan past due over 120 days, and two additional educational loans of $4,253 and $2,712, also past due over 120 days. These issues invoked Disqualifying Conditions AG ¶ 19(a) and AG ¶ 19(c).
However, the applicant demonstrated significant mitigating factors. The $3,788 educational loan was renegotiated with repayment poised to commence, while the mortgage and the $4,253 and $2,712 educational loans were made current and were in timely repayment. The $9,872 educational loan was consolidated. These actions aligned with Mitigating Conditions AG ¶ 20(b), AG ¶ 20(c), and AG ¶ 20(d).
The clearance was GRANTED because the applicant took proactive steps to address the debts before the Statement of Reasons was issued. The financial difficulties were largely attributed to circumstances beyond his control, specifically fluctuations in his wife's income. The applicant demonstrated a commitment to repaying his debts and is currently living within his means.
Why the Applicant Prevailed
- The applicant took proactive steps to address delinquent debts before the SOR was issued.
- The applicant's financial issues were largely due to circumstances beyond his control, such as fluctuations in his wife's income.
- The applicant has shown a commitment to repaying debts and is currently living within his means.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control
- AG ¶ 20(d)appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- 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
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedMar 11, 2016
- Answer filedApr 28, 2016Applicant requested a determination based on the written record.
- Hearing held—
- Decision dateMay 25, 2017
Cite For
- Mitigation of Financial Considerations Under Guideline F
- Good-faith Efforts to Repay Debts
- Impact of Personal Circumstances on Financial Obligations