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Summary

Christina Lynn Parker, a 38-year-old lead technical writer, faced security clearance denial under Guideline F due to a history of unresolved financial delinquencies dating back to 1996. Despite demonstrating some recent efforts to pay her debts, the judge found these actions insufficient to mitigate longstanding financial issues, leading to the denial of her clearance.

Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant owed a creditor approximately $99 on an account placed for collection in about April 1996, and, as of July 6, 2001, the debt had not been satisfied (1.a). Applicant owed a creditor approximately $6,128 on an account charged off as a bad debt in about November 1996 and, as of March 3, 2005, the debt had not been satisfied (1.b). Applicant owed a creditor approximately $4,657, the balance due after the sale of her automobile, which had been repossessed for non-payment in about August 1997, and, as of March 3, 2005, the debt had not been satisfied (1.c). Applicant owed a creditor approximately $370 for an account placed for collection in about February 1998 and, as of July 2001, the debt had not been satisfied (1.d). Applicant owed a creditor approximately $1,805, on an account placed for collection in about March 1998, and, as of March 3, 2005, the debt had not been satisfied (1.e). Applicant was indebted to a creditor for approximately $1,253 on an account placed for collection in about February 1999 and, as of October 11, 2005, the debt had not been satisfied (1.f). Applicant was indebted to a creditor for approximately $82 for a judgment entered against her in about October 1999, and, as of October 11, 2005, the debt had not been satisfied (1.g). Applicant was indebted to a creditor for approximately $28 on a medical account placed for collection in about August 2000, and, as of October 11, 2005, the debt had not been satisfied (1.h). Applicant owed a creditor approximately $1,096 for a judgment entered against her on about November 13, 2000, and, as of November 2004, the debt had not been satisfied (1.i). Applicant owed a creditor approximately $144 on a medical account placed for collection in about February 2001, and as of October 11, 2005, the debt had not been satisfied (1.j). Applicant owed a creditor approximately $393 on an account placed for collection in about April 2001 and, as of July 6, 2001, the debt had not been satisfied (1.k). Applicant owed a creditor approximately $1,513 on an account charged off as a bad debt in about January 2002, and, as of June 2, 2004, the debt had not been satisfied (1.l). Applicant owed a creditor approximately $5,175.50 on a judgment entered against her on about June 10, 2002 and, as of October 11, 2005 the debt had not been satisfied (1.m). Applicant owed a medical facility approximately $174.50 on a judgment entered against her on about September 12, 2002, and, as of October 11, 2005, this debt had not been satisfied (1.n). Applicant owed a creditor approximately $5,305.98 for a judgment entered against her on about October 3, 2002, and, as of October 11, 2005, the debt had not been satisfied (1.o). Applicant owed a creditor approximately $3,719.76 for a judgment entered against her on about October 18, 2002 and a wage garnishment that was granted on about July 8, 2003, and, as of October 11, 2005, the debt had not been satisfied (1.p). Applicant owed a creditor approximately $25 on an account placed for collection in about February 2003, and, as of October 11, 2005, the debt had not been satisfied (1.q). Applicant owed a creditor approximately $25 on an account placed for collection in June 2003, and, as of October 11, 2005, the debt had not been satisfied (1.r). Applicant owed a creditor approximately $272 on an account placed for collection in about July 2003, and, as of October 11, 2005, the debt had not been satisfied (1.s). Applicant owed approximately $719 to a creditor on an account charged off as a bad debt in about September 2003, and, as of October 11, 2005, the debt had not been satisfied (1.t). Applicant owed a creditor approximately $638.13 for a judgment entered against her on about May 27, 2004, and, as of October 11, 2005, the debt had not been satisfied (1.u). Applicant owed a debt of approximately $241 on a medical account placed for collection in about July 2004, and, as of October 11, 2005, the debt had not been satisfied (1.v). Applicant owed a debt of approximately $223 on an account placed for collection by a creditor in about June 2005, and, as of October 11, 2005, the debt had not been satisfied (1.w).

The judge denied the clearance. The government raised disqualifying conditions E2.A6.1.2.1, E2.A6.1.2.3. The judge applied mitigating conditions E2.A6.1.3.1, E2.A6.1.3.2, E2.A6.1.3.3, E2.A6.1.3.4, E2.A6.1.3.6. The decision turned on the following: Applicant has a history of unresolved financial delinquencies dating back to 1996 and 1997; Recent efforts to pay debts were not sufficient to demonstrate a consistent record of timely remedial action; Applicant failed to provide credible evidence of a plan to manage and resolve her long-term debts.

Why the Applicant Was Denied

• Applicant has a history of unresolved financial delinquencies dating back to 1996 and 1997.
• Recent efforts to pay debts were not sufficient to demonstrate a consistent record of timely remedial action.
• Applicant failed to provide credible evidence of a plan to manage and resolve her long-term debts.

Conditions Referenced

Key Rule Quoted

“"A person who is unwilling to fulfill his legal obligations does not demonstrate the high degree of good judgment and reliability required of persons granted access to classified information."”

Procedural Posture

• SOR issuedDec 7, 2005
• Answer filedDec 29, 2005
• Hearing heldApr 3, 2006
• Decision dateJun 28, 2006

Cite For

• Denial of Security Clearance Due to Unresolved Financial Delinquencies
• Insufficient Recent Efforts to Mitigate Financial Issues
• Importance of a Consistent Record of Timely Remedial Action in Financial Matters