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Summary

The applicant, a 29-year-old government contractor, faced security clearance denial under Guideline F (Financial Considerations) and Guideline G (Alcohol Consumption) due to unresolved debts and a history of excessive alcohol use. Despite some efforts to address her financial obligations, the applicant's ongoing financial delinquency and continued alcohol consumption raised significant concerns about her reliability and judgment.

Under Guideline F (Financial Considerations) and Guideline G (Alcohol Consumption), the Statement of Reasons alleged the following: Applicant owes medical debts which occurred when she became ill and sought medical assistance. These debts are alleged at SOR ¶¶ 1.a., 1.b., and 1.c. Applicant acknowledged that these medical debts were hers and had not been paid. Her credit bureau reports show these debts as delinquent since 2010 (1.a). Applicant owes medical debts which occurred when she became ill and sought medical assistance. These debts are alleged at SOR ¶¶ 1.a., 1.b., and 1.c. Applicant acknowledged that these medical debts were hers and had not been paid. Her credit bureau reports show these debts as delinquent since 2010 (1.b). Applicant owes medical debts which occurred when she became ill and sought medical assistance. These debts are alleged at SOR ¶¶ 1.a., 1.b., and 1.c. Applicant acknowledged that these medical debts were hers and had not been paid. Her credit bureau reports show these debts as delinquent since 2010 (1.c). The SOR alleges at ¶ 1.d. that Applicant owes a creditor $164 on a debt in collection status. Applicant’s credit bureau report of June 2013 shows that the debt has been delinquent since January 2010. Applicant acknowledged the debt and claimed she lacks the financial resources to pay the debt (1.d). The SOR alleges at ¶ 1.e. that Applicant is at least 150 days past due in paying a utility bill of $591. Applicant denied the debt and asserted she had paid it in November 2012. She provided documentation showing that her current utility bill with the same creditor was in good status, and that she had made two payments in October 2012 to resolve the delinquency (1.e). The SOR alleges that Applicant is responsible for four delinquent student loans in collection status. The debts are identified at SOR ¶¶ 1.f. ($3,765); 1.g. ($8,778); 1.h. ($3,054); and 1.i. ($4,147) (1.f). The SOR alleges that Applicant is responsible for four delinquent student loans in collection status. The debts are identified at SOR ¶¶ 1.f. ($3,765); 1.g. ($8,778); 1.h. ($3,054); and 1.i. ($4,147) (1.g). The SOR alleges that Applicant is responsible for four delinquent student loans in collection status. The debts are identified at SOR ¶¶ 1.f. ($3,765); 1.g. ($8,778); 1.h. ($3,054); and 1.i. ($4,147) (1.h). The SOR alleges that Applicant is responsible for four delinquent student loans in collection status. The debts are identified at SOR ¶¶ 1.f. ($3,765); 1.g. ($8,778); 1.h. ($3,054); and 1.i. ($4,147) (1.i). The SOR also alleges that Applicant is 180 days past due on two education accounts, one for $575 (SOR ¶ 1.j.) and one for $432 (SOR ¶ 1.k.) (1.j). The SOR also alleges that Applicant is 180 days past due on two education accounts, one for $575 (SOR ¶ 1.j.) and one for $432 (SOR ¶ 1.k.) (1.k). In February 2011, Applicant’s automobile was repossessed when she failed to make required payments. The debt has been charged off. The SOR alleges at ¶ 1.l. that Applicant owes the automobile creditor $4,039. Applicant admitted the debt and acknowledged that it had not been satisfied. She stated that she lacked sufficient discretionary income to pay the debt (1.l). The SOR also alleges that Applicant is 120 days past due on three other education accounts, identified as SOR ¶¶ 1.m. ($674); 1.n. ($985); and 1.p. ($572) (1.m). The SOR also alleges that Applicant is 120 days past due on three other education accounts, identified as SOR ¶¶ 1.m. ($674); 1.n. ($985); and 1.p. ($572) (1.n). The SOR also alleges at ¶ 1.o. that Applicant is responsible for a $1,261 delinquent debt to an educational institution (1.o). The SOR also alleges that Applicant is 120 days past due on three other education accounts, identified as SOR ¶¶ 1.m. ($674); 1.n. ($985); and 1.p. ($572) (1.p). In 2003, she was arrested and charged with Driving Under the Influence (DUI) (2.b). In December 2010, after resuming the use of alcohol, Applicant was arrested and charged with Driving While Intoxicated - First Offense (2.c).

The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c), AG ¶ 22(a), AG ¶ 22(c). The judge applied mitigating conditions AG ¶ 20(d), AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(e), AG ¶ 23(a), AG ¶ 23(b), AG ¶ 23(c), AG ¶ 23(d). The decision turned on the following: The applicant admitted to 15 allegations of financial delinquency and acknowledged her alcohol-related arrests; She failed to provide sufficient evidence of financial stability or a plan to address her debts; The applicant continues to consume alcohol and does not recognize it as a problem, undermining her credibility.

Why the Applicant Was Denied

• The applicant admitted to 15 allegations of financial delinquency and acknowledged her alcohol-related arrests.
• She failed to provide sufficient evidence of financial stability or a plan to address her debts.
• The applicant continues to consume alcohol and does not recognize it as a problem, undermining her credibility.

Conditions Referenced

Key Rule Quoted

“"The protection of the national security is the paramount consideration."”

Procedural Posture

• SOR issuedApr 5, 2013
• Answer filedMay 13, 2013Notarized answer provided.
• Hearing held—Applicant requested decision based on the record.
• Decision dateSep 16, 2013

Cite For

• Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
• Denial Based on Ongoing Alcohol Consumption and Lack of Acknowledgment of Alcohol Issues Under Guideline G
• Importance of Demonstrating Financial Responsibility and Addressing Substance Use Issues for Security Clearance Eligibility.