Summary
A 47-year-old married woman, seeking a security clearance for a driver position, was denied due to significant financial considerations under Guideline F. Her financial history included approximately $18,000 in unmet obligations, primarily medical debts.
Specific allegations included a $7,411 charged-off bad debt for a trailer house, a $350 collection account for telephone services, and a $3,450 past-due telephone account, which the applicant stated was reduced to $950. Additionally, there was a $122 past-due electrical account, which the applicant claimed was paid off, and a $350 past-due gas account.
The denial was based on the applicant's history of failing to meet financial obligations and her inability to provide sufficient documentation to support claims of debt resolution or her overall financial condition. The judge concluded that she did not demonstrate a good-faith effort to repay or resolve her financial problems, leading to the determination that her financial irresponsibility posed a security concern.
Why the Applicant Was Denied
- Applicant has a history of not meeting financial obligations totaling approximately $18,000.
- Applicant failed to provide documentation to support her claims of debt resolution or overall financial condition.
- The judge concluded that the applicant did not make a good-faith effort to repay or resolve her financial problems.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe judge found that the applicant did not demonstrate a good-faith effort to resolve her debts.
- E2.A6.1.3.3rejectedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's ControlWhile the applicant faced difficult circumstances, the judge determined that her financial issues were ongoing and unresolved.
Key Rule Quoted
“The decision to deny a person a security clearance is not a determination of an applicant's loyalty. Instead, it is a determination that the applicant has not met the strict guidelines the President has established for granting a clearance.”
Procedural Posture
- SOR issuedMay 3, 2005
- Answer filedSep 29, 2005Second reply to SOR received.
- Hearing heldMar 1, 2006Applicant appeared with counsel.
- Decision dateJun 9, 2006
Cite For
- Denial Based on Financial Irresponsibility Under Guideline F
- Lack of Documentation to Support Claims of Financial Stability
- Failure to Demonstrate a Good-faith Effort to Resolve Debts