Summary
A 39-year-old defense contractor employee was denied a security clearance due to significant financial considerations under Guideline F. The applicant faced concerns stemming from multiple delinquent accounts totaling approximately $15,532 and a foreclosure.
Specific allegations included an attorney account with a balance of $2,617, various satellite, cable, and cellular telephone accounts with past-due balances, and several credit card and bank accounts with unpaid amounts. Other debts included an account with a state department of licensing, a gas utility account, an unspecified utility account, a charge account, and a child support account that was reduced to $571.
The applicant admitted to all financial difficulties but failed to provide sufficient documentation of efforts to resolve these debts or demonstrate financial stability. The judge found that the applicant did not show a good-faith effort to address his financial issues or seek financial counseling, leading to the denial of his security clearance.
Why the Applicant Was Denied
- The applicant admitted to all allegations of financial difficulties, including multiple delinquent accounts and a foreclosure.
- He failed to provide documentation supporting his claims of resolving debts or making payments.
- The applicant did not demonstrate a good-faith effort to address his financial issues or seek financial counseling.
Conditions Referenced
- AG ¶ 19(a)appliedInability or Unwillingness to Satisfy Debts
- AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
- AG ¶ 20(b)appliedConditions Largely Beyond the Person's ControlSome financial difficulties were attributed to divorce and unemployment, but not sufficiently mitigating.
- AG ¶ 20(a)rejectedBehavior Happened Long Ago or InfrequentlyThe applicant's financial issues have been ongoing since 2007.
- AG ¶ 20(c)rejectedEvidence of Counseling or Resolution of IssuesNo evidence of financial counseling or resolution of debts was provided.
- AG ¶ 20(d)rejectedGood-faith Effort to Repay CreditorsThe applicant failed to demonstrate any good-faith efforts to resolve debts.
- AG ¶ 20(e)rejectedReasonable Basis to Dispute DebtsThe applicant did not provide documented proof to dispute the legitimacy of debts.
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 issuedNov 18, 2015
- Answer filedDec 2, 2015Applicant elected for a decision on the written record.
- Hearing held—No hearing; decision based on written record.
- Decision dateMay 4, 2016
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Importance of Providing Documentation to Support Claims of Financial Stability
- The Fiduciary Relationship Required for Security Clearance Applicants.