Summary
A 33-year-old defense contractor employee was denied a security clearance due to significant financial concerns under Guideline F. The applicant had accrued nine delinquent debts totaling over $20,000 between 2002 and 2008, with an additional four debts, totaling almost $3,000, reported as delinquent in July 2009. These issues raised disqualifying conditions related to a history of not meeting financial obligations and an unwillingness or inability to satisfy debts.
The applicant demonstrated no effort to resolve any of these debts, nor did he provide evidence of ongoing solvency or a plan to mitigate future financial concerns. He attributed his financial difficulties to carelessness and irresponsibility, offering no evidence that any debt was incurred due to circumstances beyond his control. Furthermore, he failed to establish any mitigation through counseling or good-faith efforts to repay creditors.
The denial was based on the applicant's recent and extensive financial irresponsibility, involving numerous creditors and a seven-year history of borrowing and spending beyond his means. He provided no evidence concerning his current financial situation that would suggest delinquent indebtedness was unlikely to recur, and he continues to bear significant past debt and ongoing living expenses.
Why the Applicant Was Denied
- The applicant accrued nine delinquent debts totaling over $20,000 from 2002 to 2008.
- He provided no evidence of efforts to resolve any of these debts or establish ongoing solvency.
- The applicant's financial irresponsibility was recent and involved numerous creditors.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was Infrequent, or Unlikely to RecurThe applicant's financial irresponsibility is recent and ongoing.
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlThe applicant attributed his debts to his own carelessness and irresponsibility.
- AG ¶ 20(c)rejectedReceived Counseling for the ProblemThe applicant did not establish any mitigation or counseling efforts.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant failed to address any delinquency or demonstrate a good-faith effort.
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of the national security.”
Procedural Posture
- SOR issuedApr 23, 2009
- Answer filedMay 1, 2009Applicant requested a decision on the written record.
- Hearing held—No hearing; case decided on the written record.
- Decision dateDec 23, 2009
Cite For
- Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
- Lack of Evidence for Mitigating Financial Conditions
- Importance of Demonstrating Financial Stability for Security Clearance Eligibility