Summary
A 32-year-old male applicant with a military background was denied a security clearance under Guideline F, Financial Considerations. The denial stemmed from approximately $22,956 in delinquent debts, which began accruing around 2011.
The Statement of Reasons listed nine allegations, all pertaining to these delinquent debts. Disqualifying conditions under Adjudicative Guideline (AG) ¶ 19(a) and AG ¶ 19(c) were raised. While mitigating conditions AG ¶ 20(a), AG ¶ 20(b), AG ¶ 20(c), AG ¶ 20(d), and AG ¶ 20(e) were applied, they were ultimately insufficient to overcome the security concerns.
The primary reasons for denial were the applicant's approximately $22,956 in delinquent debts and his failure to provide any supporting evidence that these debts had been paid, settled, or otherwise resolved. This lack of resolution and evidence cast doubt on his current reliability, trustworthiness, and good judgment.
Why the Applicant Was Denied
- Applicant has approximately $22,956 in delinquent debts that he began accruing in about 2011.
- Applicant failed to provide any supporting evidence that his delinquent debts are paid, settled, or resolved.
- His failure to address the delinquent debts casts doubt on his current reliability, trustworthiness, and good judgment.
Conditions Referenced
- AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlApplicant attributed his financial problems to the death of his aunt and periods of unemployment.
- AG ¶ 20(a)rejectedBehavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to RecurThere is insufficient evidence to conclude that his financial problems are unlikely to recur.
- AG ¶ 20(c)rejectedReceived or Is Receiving Counseling for the ProblemThere is no evidence Applicant received financial counseling or that his financial problems are being resolved.
- AG ¶ 20(d)rejectedInitiated a Good-faith Effort to Repay Overdue CreditorsThere is no evidence that he made good-faith payments to creditors.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute the Legitimacy of the Past-due DebtApplicant denied the debt in SOR ¶ 1.g and did not provide evidence of the results of the investigation.
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of national security.”
Procedural Posture
- SOR issuedAug 20, 2015
- Answer filedSep 18, 2015Applicant elected to have his case decided on the written record.
- Hearing held—No hearing; case decided on written record.
- Decision dateJun 6, 2016
Cite For
- Failure to Provide Evidence of Debt Resolution Under Guideline F
- Impact of Financial Irresponsibility on Security Clearance Eligibility
- Consideration of Personal Circumstances in Financial Issues Under Guideline F