Summary
A 47-year-old indexer for a Department of Defense contractor was denied a security clearance for a trustworthiness position due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had approximately $15,286 in delinquent debt, with specific allegations including a $145 medical account from October 2002, a $582 computer account charged off in July 2003, and a $225 account turned over for collection in August 2003.
Further financial issues included a $4,952 credit card account past due since September 2003, a $2,531 personal loan past due since January 2004, and a $5,846 account past due since February 2004. Additionally, a $392 account was charged off in April 2004, a $558 student loan account was past due since September 2004, and a $55 cell phone account was placed for collection in May 2005.
Despite the applicant having paid off some debts and making timely payments on others, the denial was based on approximately $10,000 in remaining unresolved delinquent debt. The applicant was found to lack a comprehensive plan to manage these outstanding obligations, and her financial history demonstrated a pattern of not meeting financial responsibilities.
Why the Applicant Was Denied
- The applicant has approximately $10,000 in delinquent debt that remains unresolved.
- The applicant lacks a comprehensive plan to manage her remaining debts.
- The applicant's financial history indicates a pattern of not meeting financial obligations.
Conditions Referenced
- E2.A6.1.2.1appliedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3appliedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.1rejectedThe Behavior Was Not Recent
- E2.A6.1.3.2rejectedThe Behavior Was Isolated
- E2.A6.1.3.3appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's Control
- E2.A6.1.3.4rejectedThe Person Has Received or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Under Control
- E2.A6.1.3.6appliedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“"The adjudicative process is an examination of a sufficient period of a person's life to make an affirmative determination that the person is eligible for a security clearance."”
Procedural Posture
- SOR issuedJul 25, 2005
- Answer filedSep 19, 2005
- Hearing heldJul 11, 2006
- Decision dateSep 11, 2006
Cite For
- Financial Responsibility Under Guideline F
- Impact of Unresolved Debts on Trustworthiness Determinations
- Consideration of Personal Circumstances in Financial Evaluations