Summary
A 42-year-old administrative assistant was denied a security clearance under Guideline F (Financial Considerations) due to significant and long-standing financial issues. The applicant had 10 delinquent debts totaling over $104,000, which had been outstanding for several years.
Specific allegations included a $12,481 delinquent account with payments made from October 2010 to March 2011, a $9,514 delinquent account with payments from December 2010 to March 2011, and a $2,178 delinquent account with payments made from December 2010 to March 2011. Additionally, a $24,972 debt for delinquent mortgage payments on a $203,000 mortgage was in foreclosure. The applicant claimed to have made a required payment in April 2011 for a mortgage modification plan, but provided no documentary evidence.
The denial was based on the applicant's failure to provide sufficient documentary evidence of financial responsibility or good-faith efforts to resolve her debts in a timely manner. Her recent attempts to address her financial problems were deemed insufficient to establish a track record of financial responsibility. Disqualifying conditions AG ¶ 19(a) and AG ¶ 19(c) were raised, while mitigating conditions AG ¶ 20(b), AG ¶ 20(c), and AG ¶ 20(d) were applied.
Why the Applicant Was Denied
- Applicant acquired 10 debts totaling over $104,000 that have been delinquent for several years.
- She presented no documentary evidence to establish financial responsibility or good-faith efforts to resolve her debts in a timely manner.
- Her recent efforts to resolve her financial problems were deemed insufficient to establish a track record of financial responsibility.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlWhile there were circumstances beyond her control, the evidence did not show responsible actions regarding her debts.
- AG ¶ 20(c)rejectedReceived Counseling or Indications That the Problem Is Being ResolvedApplicant's evidence of contacting a credit counseling company was insufficient to demonstrate that her financial problems were under control.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsHer limited recent efforts did not establish a track record of financial responsibility.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
Procedural Posture
- SOR issuedApr 1, 2011
- Answer filedApr 30, 2011Applicant elected to have her case decided on the written record.
- Hearing held—No hearing; case decided on the written record.
- Decision dateAug 17, 2011
Cite For
- Denial of Security Clearance Due to Significant Financial Delinquencies Under Guideline F
- Insufficient Evidence of Financial Responsibility and Good-faith Efforts to Resolve Debts
- Application of Disqualifying Conditions Related to Financial Considerations