Summary
The applicant, a 46-year-old retired Air Force Master Sergeant, faced financial difficulties due to the loss of a cost of living allowance, a two-year marital separation, and transitioning to civilian life. He successfully resolved all debts listed in the Statement of Reasons, demonstrating financial stability and mitigating concerns under Guideline F. The security clearance was granted.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Credit card account in delinquent status $3,329.00 (1.a). Credit card account in delinquent status $2,923.00 (1.b). Collection agency account in delinquent status $2,812.00 (1.c). Credit card account in delinquent status $1,348.00 (1.d). Phone company account in delinquent status $177.00 (1.e). Cable company account in delinquent status $595.00 (1.f). Department store account in delinquent status $529.00 (1.g). Cable company account in delinquent status $595.00 (1.h). Credit card account in delinquent status $368.00 (1.i). Credit card account in delinquent status $141.00 (1.j). Medical bill in delinquent status $48.00 (1.k).
The judge granted the clearance. The government raised disqualifying conditions E2.A6.1.2.1, E2.A6.1.2.3. The judge applied mitigating conditions E2.A6.1.3.3, E2.A6.1.3.6. The decision turned on the following: The applicant resolved all debts listed in the Statement of Reasons; He demonstrated financial stability with a positive monthly budget; The applicant's personal circumstances contributing to financial difficulties were largely beyond his control.
Why the Applicant Prevailed
- The applicant resolved all debts listed in the Statement of Reasons.
- He demonstrated financial stability with a positive monthly budget.
- The applicant's personal circumstances contributing to financial difficulties were largely beyond his control.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.3appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's Control
- E2.A6.1.3.6appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“Eligibility for a security clearance is predicated upon the applicant meeting the security guidelines contained in the Directive.”
Procedural Posture
- SOR issuedJun 3, 2004
- Answer filedJul 2, 2004
- Hearing heldApr 4, 2005
- Decision dateMay 18, 2005
Cite For
- Mitigation of Financial Issues Under Guideline F
- Impact of Personal Circumstances on Financial Stability
- Good-faith Efforts to Resolve Debts as a Mitigating Factor