Summary
A 37-year-old software engineer was denied a security clearance under Guideline F, Financial Considerations, due to extensive and ongoing financial difficulties. The Statement of Reasons detailed over two dozen delinquent accounts, including multiple medical collections, various other collection accounts, and an unpaid judgment, totaling approximately $24,789.
Disqualifying conditions F.3.a and F.3.b were raised, indicating a history of not meeting financial obligations and an inability or unwillingness to satisfy debts. While mitigating conditions F.20.b, F.20.d, and F.20.e were considered, the judge found insufficient evidence to overcome the security concerns.
Despite some improvements in her financial situation, the applicant lacked a realistic plan to resolve her outstanding debts. The denial was based on her history of financial problems, her credit history indicating an inability or unwillingness to satisfy debts, and her failure to present sufficient evidence to explain, extenuate, or mitigate the security concerns.
Why the Applicant Was Denied
- The applicant has a history of financial problems evidenced by over two dozen delinquent accounts.
- The applicant's credit history indicates an inability or unwillingness to satisfy debts and meet financial obligations.
- The applicant did not present sufficient evidence to explain, extenuate, or mitigate the security concerns.
Conditions Referenced
- F.3.araisedFinancial Considerations
- F.3.braisedFinancial Considerations
- F.20.bappliedFinancial ConsiderationsThe conditions that resulted in the financial problem were largely beyond the person’s control.
- F.20.dappliedFinancial ConsiderationsThe individual initiated a good-faith effort to repay overdue creditors or otherwise resolve debts.
- F.20.erejectedFinancial ConsiderationsThe applicant did not provide documented proof to substantiate the basis of the dispute.
Key Rule Quoted
“Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified information.”
Procedural Posture
- SOR issuedJun 4, 2009
- Answer filed—Applicant answered the SOR in a timely fashion.
- Hearing heldSep 21, 2009
- Decision dateJan 15, 2010
Cite For
- Denial of Security Clearance Due to Financial Irresponsibility Under Guideline F
- Insufficient Evidence to Mitigate Financial Concerns Despite Some Progress
- Importance of a Realistic Plan to Resolve Delinquent Debts in Security Clearance Cases.