Summary
The applicant, a 42-year-old storage consultant, sought a security clearance under Guideline F due to a history of financial difficulties stemming from a business failure in 2008. He successfully mitigated concerns by demonstrating resolution of delinquent accounts and overall financial stability, leading to a favorable decision.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: The $99 medical collection account in SOR ¶ 1.a is resolved (1.a). The $190 medical collection account in SOR ¶ 1.c is resolved (1.c). The $905 medical collection account in SOR ¶ 1.d is resolved (1.d). The $729 medical collection account in SOR ¶ 1.e is resolved (1.e).
The judge granted the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c). The judge applied mitigating conditions AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d). The decision turned on the following: The applicant resolved all delinquent accounts, including a past-due mortgage loan and four medical collection accounts; He provided documentation showing his overall financial situation is stable and not overextended; The financial difficulties were largely due to circumstances beyond his control, specifically a business failure during the economic crisis.
Why the Applicant Prevailed
- The applicant resolved all delinquent accounts, including a past-due mortgage loan and four medical collection accounts.
- He provided documentation showing his overall financial situation is stable and not overextended.
- The financial difficulties were largely due to circumstances beyond his control, specifically a business failure during the economic crisis.
Conditions Referenced
- AG ¶ 19(a)raisedFinancial ConsiderationsThe applicant has a history of excessive indebtedness.
- AG ¶ 19(c)raisedFinancial ConsiderationsThe applicant failed to meet financial obligations.
- AG ¶ 20(b)appliedFinancial ConsiderationsThe conditions that resulted in the financial problems were largely beyond the applicant's control.
- AG ¶ 20(c)appliedFinancial ConsiderationsThe applicant has received counseling and there are indications that the financial problems are under control.
- AG ¶ 20(d)appliedFinancial ConsiderationsThe applicant initiated a good-faith effort to repay overdue creditors.
Key Rule Quoted
“No one has a 'right' to a security clearance.”
Procedural Posture
- SOR issuedOct 16, 2014
- Answer filedNov 15, 2014
- Hearing heldMar 23, 2015
- Decision dateJun 22, 2015
Cite For
- Mitigation of Financial Difficulties Under Guideline F
- Resolution of Delinquent Accounts as a Factor in Security Clearance Eligibility
- Consideration of Circumstances Beyond the Applicant's Control in Financial Matters