Summary
A 30-year-old defense contractor and former U.S. Air Force member was granted a SECRET security clearance despite financial considerations under Guideline F. The applicant's financial issues largely stemmed from his mother's unauthorized use of credit in his name, which led to his bankruptcy.
The Statement of Reasons detailed several outstanding debts, including two medical accounts totaling $566, another medical account for $350, and an account for $867. Other delinquencies included a power utility account for $512, a cable television account for $475, a mobile telephone account for $210, an electric utility account for $3,766, an overdrawn checking account for $851, and an insurance account for $479. Additionally, a creditor obtained an $11,735 judgment, which became a state tax lien for $7,481. The applicant was also assessed $576 monthly child support, and another account increased to $14,000 in collections.
The judge found that the applicant had taken significant steps to address these issues, including repayment agreements and improved credit management since his bankruptcy. He demonstrated a proactive approach to resolving his delinquencies and provided evidence of improved financial stability. Character references from supervisors affirmed his ethics, reliability, and trustworthiness, leading to the decision to grant the security clearance.
Why the Applicant Prevailed
- The applicant demonstrated a proactive approach to resolving his financial delinquencies.
- He provided evidence of improved financial stability and credit management since filing for bankruptcy.
- Character references from supervisors indicated he is ethical, reliable, and trustworthy.
Conditions Referenced
- F.3raisedInability or Unwillingness to Satisfy Debts
- F.4raisedFinancial Problems Due to Circumstances That Are Unlikely to Change
- F.2appliedThe Conditions That Resulted in the Financial Problems Were Largely Beyond the Person's Control
- F.3rejectedThe Person Has Received or Is Receiving Counseling for the Financial ProblemsThe applicant had not received formal financial counseling.
- F.4appliedThe Person Has Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“Eligibility for a security clearance and access to classified information is granted.”
Procedural Posture
- SOR issuedMar 17, 2010
- Answer filedApr 7, 2010Notarized response to SOR allegations.
- Hearing heldSep 23, 2010
- Decision dateApr 29, 2011
Cite For
- Mitigation of Financial Issues Under Guideline F
- Proactive Measures in Addressing Financial Delinquencies
- Character References Supporting Trustworthiness in Security Clearance Cases