Summary
A 33-year-old former Army service member was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The Statement of Reasons cited a past incident of larceny while in the Army, where the applicant wrongfully appropriated another person’s wallet and its contents.
Additionally, the applicant had numerous outstanding financial obligations, including college books and fees, unpaid rent, cable service, utilities, multiple telephone and cell phone debts, a student loan, video rental fees, a credit card, and several charge accounts. These financial issues raised disqualifying conditions related to financial irresponsibility.
While some mitigating conditions were applied regarding the personal conduct issue, the applicant failed to demonstrate sufficient resolution of his financial problems. He had numerous unresolved debts totaling approximately $20,000 and did not provide adequate documentation to support claims of debt resolution or payment agreements. Ultimately, the applicant's financial issues raised concerns about his reliability and trustworthiness, leading to the denial of his security clearance.
Why the Applicant Was Denied
- The applicant has numerous unresolved debts totaling approximately $20,000, indicating financial irresponsibility.
- The applicant did not provide sufficient documentation to support claims of debt resolution or payment agreements.
- The applicant's financial issues raise concerns about his reliability and trustworthiness.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
- AG ¶ 19(e)raisedConsistent Spending Beyond One's Means
- AG ¶ 16(c)appliedCredible Adverse Information in Several Adjudicative Issue Areas
- AG ¶ 16(d)appliedCredible Adverse Information Not Explicitly Covered Under Any Other Guideline
- AG ¶ 16(e)appliedPersonal Conduct Creating Vulnerability to Exploitation
- AG ¶ 20(a)appliedBehavior Happened so Long Ago or Under Unique Circumstances
- AG ¶ 20(b)appliedConditions Resulting in Financial Problems Were Largely Beyond the Person's Control
- AG ¶ 20(c)rejectedReceived Counseling for the ProblemThe applicant has not sought or received counseling since his discharge.
- AG ¶ 20(d)rejectedInitiated a Good-faith Effort to Repay Overdue CreditorsThe applicant did not provide sufficient evidence of a plan to resolve financial problems.
- AG ¶ 20(e)appliedReasonable Basis to Dispute the Legitimacy of Past-due Debt
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the revised adjudicative guidelines (AG).”
Procedural Posture
- SOR issuedMar 17, 2009
- Answer filedApr 30, 2009
- Hearing heldAug 18, 2009
- Decision dateSep 21, 2009
Cite For
- Denial Based on Unresolved Financial Obligations Under Guideline F
- Impact of Past Personal Conduct on Security Clearance Eligibility Under Guideline E
- Consideration of Mitigating Factors in Financial Issues and Personal Conduct Cases.