Summary
A 36-year-old single U.S. Army veteran was denied a security clearance under Guidelines E (Personal Conduct) and F (Financial Considerations) due to approximately $13,000 in financial delinquencies. The Statement of Reasons detailed several specific financial issues, including a $2,180 credit card bill with a 2003 judgment, a $150 tax lien from 1995 that was satisfied in 1997, and two delinquent credit card accounts totaling $7,550 and $2,540, respectively.
Further allegations included a $64 late fee owed to an electronics company and a $662 delinquency on a retail store account. Disqualifying conditions F.1, F.2, and F.3 were raised, while mitigating conditions F.20, F.20(b), and F.20(c) were considered.
Ultimately, the clearance was denied because the applicant had multiple delinquent debts totaling approximately $13,000, demonstrating financial irresponsibility. The applicant failed to provide sufficient evidence of a payment plan or consistent payments toward these debts, and his financial issues were not mitigated by circumstances beyond his control, nor did he demonstrate a good-faith effort to resolve them.
Why the Applicant Was Denied
- The applicant has multiple delinquent debts totaling approximately $13,000, indicating financial irresponsibility.
- The applicant did not provide sufficient evidence of a payment plan or consistent payments towards his delinquent debts.
- The applicant's financial issues were not mitigated by circumstances beyond his control, nor did he demonstrate a good-faith effort to resolve his debts.
Conditions Referenced
- F.1raisedFinancial Considerations
- F.2appliedInability or Unwillingness to Satisfy Debts
- F.3appliedHistory of Not Meeting Financial Obligations
- F.20rejectedConditions Largely Beyond the Person's ControlThe applicant's financial difficulties were not shown to be largely beyond his control.
- F.20(b)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant did not demonstrate a good-faith effort to resolve his debts.
- F.20(c)rejectedClear Indications That the Problem Is Being ResolvedThe applicant provided no evidence of a payment plan or consistent payments.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedApr 23, 2008
- Answer filed—Applicant answered admitting some debts.
- Hearing held—Applicant requested an administrative determination.
- Decision dateFeb 17, 2009
Cite For
- Financial Irresponsibility Under Guideline F
- Failure to Provide Evidence of Debt Resolution Efforts
- Impact of Financial Delinquencies on Security Clearance Eligibility