Summary
A 39-year-old security monitor for a defense contractor was denied a security clearance due to significant financial concerns under Guideline F. The applicant had a history of delinquent debts totaling $22,317, which included numerous collection accounts. Specific allegations detailed an account in collection for $168, another for $28, and multiple medical debts ranging from $41 to $135.
Further allegations included collection accounts for $297, $647, $2,038, and $593, as well as a store collection for $209. A substantial debt of $17,016 stemmed from the remainder on a repossessed mobile home. Additional collection accounts included $372 and several accounts to the same creditor, totaling $89, $256, $78, and $215.
The denial was based on the applicant's failure to demonstrate responsible financial management and a lack of action to resolve her delinquent debts. The applicant was largely unaware of most of her outstanding obligations and did not make inquiries or attempts to pay them. These ongoing and unresolved financial issues raised concerns about her reliability and judgment, leading to the denial of her security clearance.
Why the Applicant Was Denied
- The applicant failed to demonstrate responsible management of her finances and did not take action to resolve her delinquent debts.
- The applicant was unaware of most of her debts and did not make inquiries into their status or attempt to pay them.
- The applicant's financial issues were ongoing and unresolved, raising concerns about her reliability and judgment.
Conditions Referenced
- FC DC AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- FC DC AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- FC MC AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problems Were Largely Beyond the Person’s ControlWhile the applicant experienced financial difficulties due to her mother's illness and lack of support from her children's fathers, she did not demonstrate responsible action to manage her finances.
- FC MC AG ¶ 20(d)rejectedThe Individual Has Initiated a Good-faith Effort to Repay the Overdue Creditors or Otherwise Resolve DebtsThe applicant did not present sufficient evidence of a good-faith effort to resolve her debts or a concrete plan to manage her finances.
Key Rule Quoted
“A person who seeks access to classified information enters into a fiduciary relationship with the government predicated upon trust and confidence.”
Procedural Posture
- SOR issuedJan 16, 2009
- Answer filedApr 15, 2009
- Hearing heldJun 10, 2009Applicant signed for the Notice of Hearing on June 1, 2009.
- Decision dateJul 24, 2009
Cite For
- Financial Irresponsibility and Its Impact on Security Clearance Eligibility
- The Importance of Demonstrating Responsible Financial Management
- The Relationship Between Financial Behavior and Trustworthiness in Security Clearance Determinations