Summary
A 46-year-old mother of three was denied a security clearance under Guideline F (Financial Considerations) due to significant financial delinquencies exceeding $100,000. Disqualifying conditions were raised under AG ¶ 19(a) and AG ¶ 19(c), reflecting her history of not meeting financial obligations and the substantial, unresolved nature of her debts.
While the applicant acknowledged her debts and claimed participation in a debt-relief program, she failed to provide sufficient evidence to substantiate these claims. Specifically, she did not submit documentation of actual payments made towards her debts or demonstrate that her financial issues were under control.
Despite the application of mitigating conditions AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d), and AG ¶ 20(e), the lack of verifiable responsible action or payment efforts ultimately led to the denial of her security clearance request.
Why the Applicant Was Denied
- The applicant has a history of not meeting financial obligations, with debts totaling over $100,000 that remain delinquent.
- The applicant failed to provide evidence of actual payments made towards her debts or that her financial issues are under control.
- The applicant's claims of being in a debt-relief program were not substantiated with documentation of payments or responsible actions taken to resolve her debts.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions Beyond the Person's ControlAlthough the applicant experienced a difficult breakup affecting her finances, she did not act responsibly to resolve her debts.
- AG ¶ 20(c)rejectedReceived or Receiving CounselingThe applicant claimed to be in a debt-relief program but provided no evidence that the problem is under control.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant did not provide evidence of actual payments or a good-faith effort to resolve her debts.
- AG ¶ 20(e)rejectedDispute Legitimacy of Past-due DebtWhile the applicant disputed some debts as duplicates, the evidence did not support her claims for all disputed debts.
Key Rule Quoted
“A security clearance decision is intended only to resolve whether it is clearly consistent with the national interest for an Applicant to either receive or continue to have access to classified information.”
Procedural Posture
- SOR issuedAug 27, 2008Applicant received SOR on September 8, 2008.
- Answer filedSep 15, 2008Applicant admitted to most allegations.
- Hearing held—No hearing requested; case decided on the record.
- Decision dateJan 29, 2009
Cite For
- Denial of Security Clearance Due to Unresolved Financial Delinquencies
- Failure to Demonstrate Responsible Action in Managing Debts
- Insufficient Evidence of Participation in Debt-relief Programs