Summary
A 37-year-old principal specialist employed by a defense contractor was denied a security clearance under Guideline F (Financial Considerations) due to multiple delinquent debts totaling nearly $21,000. The Statement of Reasons detailed six specific allegations, including $1,000 in unpaid text messaging charges, a $3,000 delinquent child support debt, a $1,500 delinquent landline bill, and $6,000 in defaulted student loans, along with an additional unresolved student loan debt. The applicant also had a $9,000 automobile repossession debt.
Disqualifying conditions F.19(a), F.20(a), F.20(b), F.20(c), and F.20(d) were raised, and mitigating conditions F.20(a), F.20(b), F.20(c), and F.20(d) were considered.
Ultimately, the clearance was denied because the applicant had a history of financial difficulties dating back to at least 2003, the largest single debt (a joint automobile loan) remained unresolved, and the applicant had not demonstrated that her financial problems were substantially under control.
Why the Applicant Was Denied
- The applicant has a history of financial difficulties dating to at least 2003.
- The largest single debt, a joint automobile loan, remains unresolved.
- The applicant has not demonstrated that her financial problems have been brought substantially under control.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- F.20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- F.20(c)rejectedReceived or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Is Under Control
- F.20(d)rejectedInitiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
- F.20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- F.20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- F.20(c)rejectedReceived or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Is Under Control
- F.20(d)rejectedInitiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“The government has a compelling interest in ensuring each Applicant possesses the requisite judgement, reliability, and trustworthiness of those who must protect national interests as their own.”
Procedural Posture
- SOR issuedMar 24, 2008
- Answer filedMay 15, 2008
- Hearing heldJul 17, 2008
- Decision dateJul 31, 2008
Cite For
- Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
- Importance of Demonstrating Financial Stability for Security Clearance Eligibility
- Government's Compelling Interest in Ensuring Applicant's Reliability and Trustworthiness