Summary
A 52-year-old business analyst was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from a history of financial delinquency totaling $8,593 across 14 accounts, including 10 delinquent medical accounts, a charged-off account, and other outstanding debts. A past charge of fiduciary misappropriation also raised significant concerns regarding the applicant's reliability and trustworthiness.
Disqualifying conditions cited included F.19(a), F.19(c), E.16(c), and E.16(d). While mitigating conditions F.20(a), F.20(b), F.20(c), F.20(d), F.20(e), E.17(c), and E.17(d) were considered, they were not sufficient to overcome the identified issues.
The judge found insufficient evidence that the applicant had made substantial efforts to resolve her financial problems. Consequently, the applicant's personal conduct concerns were deemed unresolved, leading to the denial of eligibility for access to classified information.
Why the Applicant Was Denied
- The applicant had 14 delinquent, charged-off, or collection accounts totaling $8,593, indicating unresolved financial issues.
- The applicant's past charge of fiduciary misappropriation raised concerns about her reliability and trustworthiness.
- Insufficient evidence was presented to demonstrate that the applicant had made substantial efforts to resolve her financial problems.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- E.16(c)raisedCredible Adverse Information in Several Adjudicative Issue Areas
- E.16(d)raisedCredible Adverse Information That Is Not Explicitly Covered Under Any Other Guideline
- F.20(a)rejectedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
- F.20(b)rejectedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
- F.20(c)rejectedThe Person Has Received or Is Receiving Counseling for the Problem
- F.20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors
- F.20(e)rejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due Debt
- E.17(c)rejectedThe Offense Is so Minor, or so Much Time Has Passed
- E.17(d)rejectedThe Individual Has Acknowledged the Behavior and Obtained Counseling
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the revised adjudicative guidelines.”
Procedural Posture
- SOR issuedDec 5, 2014
- Answer filedDec 22, 2014Applicant waived her right to a hearing.
- Hearing held—No hearing was held.
- Decision dateJul 14, 2015
Cite For
- Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
- Impact of Past Criminal Conduct on Security Clearance Eligibility Under Guideline E
- Insufficient Evidence of Mitigation Efforts in Financial Considerations Cases.