Summary
A 52-year-old aircraft mechanic and retired Navy petty officer was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The Statement of Reasons detailed numerous financial delinquencies, including a $192,000 judgment from June 2009, a second mortgage loan charged off for $76,320 in March 2008, and two credit card accounts each charged off for $15,615 in August 2010 and later placed for collection for $13,589 in August 2013. Additional debts included a $36 medical bill, a $107 DVD club debt, and a $3,748 investment club debt, all placed for collection.
Beyond financial issues, the applicant had a history of traffic violations. These included multiple instances of speeding, such as 70/55, 57/45, 50/35, 73/60, 78/60, 65/45, and 72/55. Other infractions included driving without a license, disregard for lane markings, an open container violation, no vehicle inspection, reckless driving, and disobeying a highway sign.
The denial was based on the applicant's failure to provide sufficient evidence of resolving his delinquent debts, noting that his financial issues were recent and numerous, indicating a lack of self-control and judgment. Furthermore, the judge found that the applicant's history of traffic violations demonstrated a pattern of irresponsible behavior, ultimately leading to the denial of his security clearance.
Why the Applicant Was Denied
- The applicant failed to provide sufficient evidence of resolving his delinquent debts.
- The applicant's financial issues were recent and numerous, indicating a lack of self-control and judgment.
- The applicant's history of traffic violations demonstrated a pattern of irresponsible behavior.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 16(c)appliedCredible Adverse Information in Several Adjudicative Issue Areas
- AG ¶ 16(d)appliedCredible Adverse Information That Is Not Explicitly Covered Under Any Other Guideline
- AG ¶ 20(e)appliedDispute of Legitimacy of Past-due DebtThe applicant successfully disputed a judgment entered against another individual with a similar name.
- AG ¶ 20(a)rejectedBehavior Happened Long Ago or InfrequentlyThe applicant's debts were recent and numerous.
- AG ¶ 20(b)rejectedConditions Beyond the Person's ControlThe applicant did not provide evidence of acting responsibly regarding his debts.
- AG ¶ 20(c)rejectedReceived Counseling for the ProblemThe applicant submitted no evidence of financial counseling.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant's payment plans were initiated only after receiving the SOR.
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the AG.”
Procedural Posture
- SOR issuedApr 7, 2015
- Answer filedUndated
- Hearing heldSep 22, 2015
- Decision dateNov 21, 2015
Cite For
- Denial Based on Financial Irresponsibility Under Guideline F
- Impact of Personal Conduct on Security Clearance Eligibility Under Guideline E
- Consideration of Whole-person Assessment in Security Clearance Decisions.