Summary
A 47-year-old customer service representative with 16 years of employment was denied a security clearance for a position of public trust due to financial considerations under Guideline F. The applicant had approximately $30,678 in delinquent debt across 16 accounts, with the earliest delinquency dating back to October 1998.
The Statement of Reasons detailed numerous outstanding debts, including credit card accounts, a mobile home account, a carpet store account, and a cell phone account. These accounts were either placed for collection or charged off as bad debts between October 1998 and October 2003.
Despite a reliable work history, the applicant failed to take any steps to resolve her delinquent debts. This consistent history of not meeting financial obligations, coupled with the significant amount of unresolved debt, led to the denial of her eligibility.
Why the Applicant Was Denied
- The applicant has a history of not meeting financial obligations since 1998.
- The applicant has 16 delinquent accounts totaling approximately $30,678.
- The applicant has not taken any steps to resolve her delinquent debts.
Conditions Referenced
- FC DC 1raisedA History of Not Meeting Financial Obligations
- FC DC 3raisedInability or Unwillingness to Satisfy Debts
- FC MC 3rejectedConditions That Resulted in the Behavior Were Largely Beyond the Person's ControlWhile the applicant experienced financial difficulties due to her mother's illness and a payroll error, she took no steps towards resolving her debts.
- FC MC 1rejectedThe Behavior Was Not RecentMost of the applicant's delinquent debts remain unpaid.
- FC MC 2rejectedIt Was an Isolated IncidentThe applicant has numerous delinquent accounts.
- FC MC 4rejectedThe Person Has Received or Is Receiving Counseling for the ProblemThe applicant has not attended financial counseling.
- FC MC 6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant has taken no action towards resolving her delinquent accounts.
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 issuedDec 2, 2005
- Answer filedJan 28, 2006Applicant responded to SOR allegations and requested a hearing.
- Hearing heldJul 10, 2006
- Decision dateAug 30, 2006
Cite For
- Denial of Eligibility Due to Significant Delinquent Debt Under Guideline F
- Failure to Take Action Towards Resolving Financial Obligations
- Impact of Financial Irresponsibility on Trustworthiness Determinations