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Summary

The applicant, a 31-year-old aircraft mechanic and former U.S. Army service member, faced security clearance denial under Guidelines F (Financial Considerations) and J (Criminal Conduct) due to unresolved financial delinquencies totaling approximately $35,064 and a criminal citation for driving offenses. The judge found that the applicant failed to demonstrate responsible financial behavior or mitigate the concerns raised by his financial history and criminal conduct.

Under Guideline F (Financial Considerations) and Guideline J (Criminal Conduct), the Statement of Reasons alleged the following: an individual installment loan with a high credit of $7,374 (used to pay for Applicant’s vacation) and a past-due balance of $2,942 that was placed for collection and charged off in September 2013 (1.a). an unspecified type of bank account that was placed for collection in June 2013 with an unpaid balance of $648 (1.b). an individual bank credit card account with a credit limit of $300 that was placed for collection with an unpaid balance of $647 and charged off and later sold to another collection agent (1.c). an Internet and cable television account with an unpaid balance of $636 that was placed for collection in October 2010 (1.d). a wireless telephone account with an unpaid balance of $587 that was placed for collection in 2014 (1.e). an individual bank government travel credit card account with a credit limit of $4,000 that was placed for collection with past-due balance of $535 and charged off in May 2013 (1.f). an Internet, wireless telephone, and cable television account with an unpaid balance of $222 that was placed for collection in July 2012 (1.g). an unspecified medical account with an unpaid balance of $33 that was placed for collection February 2013 (1.h). an individual unsecured credit union loan (purportedly in his ex-wife’s name) with a high credit of $25,515 that was placed for collection and charged off in May 2012 in the amount of $25,743, and then sold to another collection agent (1.i). On January 6, 2013, while driving his motor vehicle, Applicant was stopped by the police authorities and cited for speeding, driver’s license to be exhibited, and no insurance. As a result of Applicant’s failure to appear in court on the appointed date, his operator’s license was cancelled and he was fined $1,061.50 (2.a).

The judge denied the clearance. The government raised disqualifying conditions AG ¶ 19(a), AG ¶ 19(c), AG ¶ 31(a). The decision turned on the following: The applicant admitted to multiple delinquent accounts and a criminal citation, failing to provide evidence of resolution or mitigation; The applicant did not engage with creditors or provide documentation of financial counseling or efforts to address debts; The applicant's claims of ignorance regarding his financial issues were not substantiated with evidence.

Why the Applicant Was Denied

• The applicant admitted to multiple delinquent accounts and a criminal citation, failing to provide evidence of resolution or mitigation.
• The applicant did not engage with creditors or provide documentation of financial counseling or efforts to address debts.
• The applicant's claims of ignorance regarding his financial issues were not substantiated with evidence.

Conditions Referenced

Key Rule Quoted

“A person who seeks access to classified information enters into a fiduciary relationship with the Government predicated upon trust and confidence.”

Procedural Posture

• SOR issuedApr 9, 2015
• Answer filedApr 29, 2015Applicant elected for a written decision.
• Hearing held—No hearing; decision based on written record.
• Decision dateOct 5, 2015

Cite For

• Failure to Mitigate Financial Issues Under Guideline F
• Impact of Criminal Conduct on Security Clearance Eligibility Under Guideline J
• Importance of Demonstrating Responsible Financial Behavior in Security Clearance Cases