Summary
A 54-year-old system administrator for a defense contractor was denied a security clearance due to financial considerations under Guideline F. The applicant had multiple delinquent debts totaling over $49,000, including a car loan, several credit cards, a line of credit, an overdraft, condo fees, and a collection account, which also involved a car repossession. These issues raised concerns about his ability to meet financial obligations.
Despite a long employment history and a previous security clearance, the applicant failed to provide sufficient evidence of resolving his financial issues. Specifically, he did not submit documentation of payments or a reasonable plan to address his debts. Furthermore, he did not seek financial counseling or demonstrate responsible conduct regarding his financial situation.
While several mitigating conditions were considered, the applicant's failure to resolve his significant financial delinquencies and lack of a clear plan for repayment ultimately led to the denial of his security clearance application.
Why the Applicant Was Denied
- The applicant had multiple delinquent debts totaling over $49,000, indicating an inability to meet financial obligations.
- He failed to provide documentation of payments or a reasonable plan to resolve his debts.
- The applicant did not seek financial counseling or demonstrate responsible conduct regarding his financial issues.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to RecurThe applicant's delinquent debts are numerous and unresolved.
- AG ¶ 20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant's financial issues did not stem from circumstances beyond his control.
- AG ¶ 20(c)rejectedReceived or Is Receiving Counseling for the ProblemThe applicant did not seek or receive financial counseling.
- AG ¶ 20(d)rejectedInitiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not demonstrate significant actions to resolve his debts.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due DebtThe applicant provided no documentation to support his disputes.
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 issuedApr 27, 2009Applicant received SOR on May 14, 2009.
- Answer filedJun 20, 2009Applicant requested a hearing.
- Hearing heldAug 25, 2009Hearing convened as scheduled.
- Decision dateOct 1, 2009
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Failure to Demonstrate Good-faith Efforts to Resolve Debts
- Insufficient Evidence of Financial Responsibility and Planning