Summary
The applicant, a 29-year-old with financial difficulties, faced security concerns under Guideline F due to multiple delinquent debts totaling $9,277, primarily from medical expenses. Despite acknowledging some debts and expressing intentions to pay, the applicant failed to provide evidence of payments or communication with creditors, leading to a denial of her security clearance.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant admits she owes the debts listed in SOR ¶ 1.a ($2,677) (1.a). Applicant admits she owes the debts listed in SOR ¶ 1.b ($236) (1.b). Applicant stated in her answer that the debts in SOR ¶ 1.c ($151) have been paid. Credit bureau reports list these debts as delinquent (1.c). Applicant admits she owes the debts listed in SOR ¶ 1.d ($3,552) (1.d). Applicant stated in her answer that the debts in SOR ¶ 1.e ($852) have been paid. Credit bureau reports list these debts as delinquent (1.e). Applicant admits she owes the debts listed in SOR ¶ 1.f ($246) (1.f). Applicant did not admit or deny the debt in SOR ¶ 1.g ($1,500) (1.g).
The judge denied the clearance. The government raised disqualifying conditions F.19(a), F.19(c). The decision turned on the following: Applicant has eight delinquent debts totaling $9,277, which she did not adequately address or resolve; Insufficient evidence was provided to demonstrate that the applicant's financial problems are under control or unlikely to recur; The applicant did not provide documentation of payments made or communication with creditors regarding repayment plans.
Why the Applicant Was Denied
- Applicant has eight delinquent debts totaling $9,277, which she did not adequately address or resolve.
- Insufficient evidence was provided to demonstrate that the applicant's financial problems are under control or unlikely to recur.
- The applicant did not provide documentation of payments made or communication with creditors regarding repayment plans.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
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 issuedOct 29, 2010
- Answer filedUndatedApplicant elected to have her case decided on the written record.
- Hearing heldN/ANo hearing; decided on written record.
- Decision dateMar 2, 2011
Cite For
- Failure to Provide Evidence of Debt Resolution Under Guideline F
- Insufficient Demonstration of Financial Responsibility
- Impact of Financial Difficulties on Security Clearance Eligibility