Summary
A 47-year-old defense contractor and former U.S. Navy service member was denied a security clearance under Guideline F (Financial Considerations) due to significant unresolved financial issues. The applicant had 23 delinquent debts totaling $20,261, which raised concerns about his reliability and trustworthiness.
Specific allegations included a $1,990 debt to a telephone company, $258 owed on a loan, and $6,654 for a truck loan and $1,584 for a Christmas loan, both owed to a credit union. Other debts included $1,322 to a university, $1,260 for a medical account, $1,002 for a credit card, and $917 to an educational institution. Additionally, the applicant's tax refunds were withheld by the IRS and sent to the VA to cover education loan overpayments. He also claimed to be paying a $908 utility bill for natural gas.
The denial was based on the 23 unpaid delinquent debts, the applicant's failure to disclose any debts on his e-QIP, which questioned his credibility, and the lack of evidence demonstrating good-faith efforts to resolve these financial obligations.
Why the Applicant Was Denied
- The applicant has 23 delinquent debts totaling $20,261 that remain unpaid.
- The applicant did not disclose any debts on his e-QIP, raising questions about his credibility.
- The applicant failed to provide evidence of good-faith efforts to resolve his debts.
Conditions Referenced
- F.1.araisedInability to Satisfy Debts
- F.1.braisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- F.1.craisedA History of Not Meeting Financial Obligations
Key Rule Quoted
“Failure 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 issuedJul 12, 2016
- Answer filedAug 8, 2016
- Hearing heldMar 13, 2017
- Decision dateJun 14, 2017
Cite For
- Denial Based on Unresolved Financial Obligations Under Guideline F
- Importance of Disclosing Debts on E-qip
- Lack of Good-faith Efforts to Resolve Financial Issues as a Disqualifying Factor