Summary
A 35-year-old lead supply technician, employed abroad, was denied a security clearance due to significant financial delinquencies under Guideline F (Financial Considerations). The applicant admitted to five allegations of financial delinquency, totaling approximately $23,200, which raised disqualifying conditions AG ¶ 19(a) and AG ¶ 19(c).
Despite possessing sufficient income and assets, the applicant failed to provide documentation supporting claims of debt resolution or established payment plans. The financial delinquencies, totaling approximately $25,236, were not attributed to circumstances beyond the applicant's control.
While mitigating conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(c), and AG ¶ 20(d) were considered, the applicant's failure to demonstrate efforts to resolve his debts ultimately led to the denial of his security clearance application.
Why the Applicant Was Denied
- Applicant admitted to five allegations of financial delinquency totaling approximately $23,200.
- Applicant failed to provide documentation to support claims of debt resolution or payment plans.
- The applicant's financial delinquencies were not mitigated by any circumstances beyond his control.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedUnresolved Financial Delinquency Occurred Long Ago or InfrequentlyDelinquencies occurred between 2000 and 2004 and remain unpaid.
- AG ¶ 20(b)rejectedFinancial Problems Were Largely Beyond the Person's ControlNo evidence that circumstances leading to delinquencies were beyond the applicant's control.
- AG ¶ 20(c)rejectedEvidence of Counseling for Financial ProblemsApplicant expressed intent to seek counseling but did not provide evidence of action taken.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsApplicant failed to demonstrate any efforts to repay or settle debts.
Key Rule Quoted
“Failure or inability 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 information.”
Procedural Posture
- SOR issuedJun 10, 2008
- Answer filedJul 21, 2008Applicant requested a decision on the record.
- Hearing held—No hearing; decision made on the record.
- Decision dateFeb 10, 2009
Cite For
- Denial of Security Clearance Due to Unresolved Financial Delinquencies Under Guideline F
- Failure to Mitigate Financial Concerns Despite Sufficient Income and Assets
- Importance of Providing Documentation to Support Claims of Debt Resolution