Summary
A 57-year-old computer operations specialist was denied a security clearance under Guideline F, Financial Considerations, due to a history of delinquent debts. The Statement of Reasons cited eight specific allegations, including three delinquent credit card accounts, four delinquent student loan accounts, and one unidentified unpaid account. These debts collectively totaled $13,638.
The decision highlighted the applicant's long-standing financial problems and a lack of demonstrated effort to resolve them. Disqualifying conditions under Guideline F were raised, specifically concerning a history of not meeting financial obligations and an inability or unwillingness to satisfy debts.
While mitigating conditions were considered, the judge ultimately found insufficient evidence that the applicant had initiated a good-faith effort to resolve the debts or demonstrated financial responsibility. The applicant had not sought financial counseling or attempted debt consolidation, leading to concerns about his reliability and judgment. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant has a history of financial problems, including eight delinquent debts totaling $13,638.
- The applicant provided insufficient evidence of efforts to resolve his delinquent debts or to demonstrate financial responsibility.
- The applicant has never received financial counseling or attempted debt consolidation.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur and Does Not Cast Doubt on the Individual's Reliability, Trustworthiness, and Good Judgment
- AG ¶ 20(b)rejectedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person's Control and the Individual Acted Responsibly Under the Circumstances
- AG ¶ 20(c)rejectedThe Person Has Received or Is Receiving Counseling for the Problem And/or There Are Clear Indications That the Problem Is Being Resolved or Is Under Control
- AG ¶ 20(d)rejectedA Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“The final security clearance decision must be an overall commonsense judgment based upon careful consideration of the specific guidelines, each of which is to be evaluated in the context of the whole person.”
Procedural Posture
- SOR issuedJan 28, 2013
- Answer filedMar 12, 2013
- Hearing held—Applicant appeared pro se.
- Decision dateSep 23, 2013
Cite For
- Insufficient Evidence of Financial Responsibility Under Guideline F
- Failure to Demonstrate Good-faith Efforts to Resolve Debts
- Rejection of Mitigating Conditions Due to Lack of Evidence of Financial Counseling or Resolution Efforts