Summary
A 30-year-old unmanned aerial vehicle system specialist, employed by a defense contractor, was denied a security clearance under Guideline F (Financial Considerations). The denial stemmed from a history of nine delinquent financial accounts totaling approximately $14,504. These included multiple credit card accounts, a video rental store account, an electric bill, a telephone account, and an account related to a voluntary automobile repossession.
Specific allegations detailed a $341 credit card charged off in March 1999, a $2,002 credit card placed for collection in January 2000, and a $1,287 credit card charged off in March 2000. Further delinquencies included a $68 video rental account from July 2000, a $6,001 automobile repossession account from June 2001, and a $189 electric bill charged off in June 2001. A $308 telephone account was placed for collection in September 2001, followed by a $2,372 credit card in January 2002, and a $1,936 credit card in October 2003.
The decision to deny the clearance was based on the applicant's history of unresolved debts, with most remaining outstanding. The applicant did not initiate efforts to resolve these financial issues until after the Statement of Reasons was issued. The adjudicator determined that the applicant's promise to address the debts in the future was insufficient to mitigate the security concerns.
Why the Applicant Was Denied
- Applicant has a history of nine delinquent accounts totaling approximately $14,504.
- Most debts remain unresolved, and the applicant did not take action to resolve them until after the SOR was issued.
- The applicant's promise to pay debts in the future was deemed insufficient to mitigate security 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 ControlThe applicant's financial troubles were partially due to being laid off when his wife was pregnant.
- E2.A6.1.3.1rejectedThe Behavior Was Not Recent
- E2.A6.1.3.2rejectedIt Was an Isolated Incident
- 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.A6.1.3.6rejectedThe 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 issuedAug 17, 2006
- Answer filedSep 5, 2006Applicant requested a hearing.
- Hearing heldDec 4, 2006
- Decision dateJan 27, 2007
Cite For
- Denial of Security Clearance Due to Unresolved Financial Delinquencies
- Impact of Financial History on Security Clearance Eligibility
- Consideration of Mitigating Factors in Financial Cases Under Guideline F