Summary
A 44-year-old systems analyst for a defense contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The Statement of Reasons detailed several unresolved financial obligations, including a 1999 state tax lien for $994, and multiple delinquent accounts. These included a county hospital debt of $201 from May 2005, a credit card debt of approximately $3,000, a retail store debt of approximately $2,000, a telecommunications company debt of approximately $1,500, a utility company debt of approximately $1,000, and a personal loan debt of approximately $1,000.
The applicant admitted to these debts, which totaled approximately $10,000. Disqualifying conditions related to personal conduct and financial considerations were raised. While mitigating conditions for personal conduct were applied, the applicant failed to provide evidence of efforts to address or resolve his financial obligations.
Despite acknowledging the existence of these issues, which were not recent and were exacerbated by his estrangement from his wife, the applicant did not demonstrate a plan to mitigate these concerns. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant has multiple unresolved debts totaling approximately $10,000, which he admitted to in his response to the SOR.
- The applicant failed to provide evidence of efforts to address or resolve his financial obligations, despite acknowledging their existence.
- The applicant's financial issues were not recent and were exacerbated by his estrangement from his wife, but he did not demonstrate a plan to mitigate these concerns.
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.A6.1.3.4rejectedThe Person Has Received or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Is Under Control
- E2.A6.1.3.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts
Key Rule Quoted
“The sole purpose of a security clearance determination is to decide if it is clearly consistent with the national interest to grant or continue a security clearance for an applicant.”
Procedural Posture
- SOR issuedDec 23, 2005
- Answer filedJan 18, 2006Applicant elected to have the case decided on the written record.
- Hearing held—No hearing was held.
- Decision dateAug 11, 2006
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations Under Guideline F
- Mitigating Conditions Related to Personal Conduct Under Guideline E
- The Importance of Demonstrating Efforts to Address Financial Issues in Security Clearance Cases