Summary
A 23-year-old defense contractor employee was denied a security clearance due to significant delinquent debts totaling over $14,000, falling under Guideline F (Financial Considerations). The applicant admitted to multiple outstanding debts, including $3,137.00 to Target NB, $2,287.00 to Kay Jewelers, $1,462.00 to LVNV Funding/Sears, $351.00 to AAC/Asset Acceptance/Express, $416.00 and $263.00 to Sallie Mae, $6,054.00 to Bank of America/World Wide, and $191.00 to GE Money/Old Navy/AIS Services. All these debts were delinquent, and all but the Sallie Mae debts had been placed for collection.
The denial was based on the applicant's history of failing to meet financial obligations and her lack of meaningful action to address these delinquent debts. While the applicant expressed an intent to seek financial counseling and repay her debts, these intentions were not followed by concrete steps.
The decision noted that the applicant's financial problems were not caused by circumstances beyond her control. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant has a history of not meeting her financial obligations.
- The applicant has not taken meaningful action to address her delinquent debts.
- The applicant's financial problems were not caused by circumstances beyond her control.
Conditions Referenced
- AG ¶ 19.aappliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19.cappliedHistory of Not Meeting Financial Obligations
- AG ¶ 20.arejectedBehavior Happened Long Ago or InfrequentlyThe applicant's numerous debts are still outstanding.
- AG ¶ 20.brejectedConditions Beyond ControlThere is no evidence that applicant’s financial problems were caused by conditions largely beyond her control.
- AG ¶ 20.crejectedReceived Counseling for the ProblemThe applicant has not taken any action in terms of counseling.
- AG ¶ 20.drejectedGood-faith Effort to Repay DebtsThere is no credible evidence that applicant has initiated any meaningful action to repay her delinquent debts.
Key Rule Quoted
“"Any doubt as to whether access to classified information is clearly consistent with national security will be resolved in favor of the national security."”
Procedural Posture
- SOR issuedNov 6, 2008
- Answer filedDec 2, 2008
- Hearing held—Applicant appeared Pro Se.
- Decision dateMar 10, 2009
Cite For
- Denial of Security Clearance Due to Financial Considerations Under Guideline F
- Failure to Demonstrate Rehabilitation or Resolution of Financial Issues
- Lack of Meaningful Action to Address Delinquent Debts