Summary
A 52-year-old electrical foreman was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial delinquencies totaling approximately $19,688. The Statement of Reasons cited two specific allegations: a $3,479 delinquent account for unpaid rent owed to an apartment complex, and a $16,209 credit card debt in charged-off status.
The applicant denied responsibility for these debts but failed to provide sufficient documentation to support his claims. Furthermore, he did not demonstrate a good-faith effort to repay or resolve his financial obligations.
While several mitigating conditions were considered, the applicant's failure to corroborate his claims and his lack of effort to resolve the debts ultimately led to concerns about his trustworthiness and reliability, resulting in the denial of his security clearance.
Why the Applicant Was Denied
- Applicant failed to provide documentation corroborating his claims regarding the debts.
- Applicant did not demonstrate a good-faith effort to repay or resolve his financial obligations.
- The applicant's financial delinquencies raised concerns about his trustworthiness and reliability.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(a)rejectedUnresolved Financial Delinquency Occurred so Long Ago or InfrequentlyThe applicant's financial delinquencies are significant and have existed for several years.
- AG ¶ 20(b)rejectedConditions That Resulted in Financial Problems Were Largely Beyond the Person's ControlThe applicant failed to establish that he was a victim of fraud.
- AG ¶ 20(c)rejectedEvidence of Financial CounselingThe record does not reflect that the applicant has had financial counseling.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant's failure to address his delinquencies reflects a lack of good faith.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due DebtThe applicant did not provide documented proof to substantiate his dispute.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedApr 10, 2013
- Answer filedApr 28, 2013Applicant requested determination on the written record.
- Hearing held—No hearing; decision based on written record.
- Decision dateOct 2, 2013
Cite For
- Failure to Demonstrate Good-faith Effort to Resolve Financial Obligations
- Significant Unresolved Financial Delinquencies Under Guideline F
- Lack of Corroborating Documentation for Financial Claims