Summary
A 36-year-old defense contractor employee was denied a security clearance due to financial considerations under Guideline F. The applicant had a history of delinquent debts totaling $25,484, which raised concerns about his eligibility for a trustworthiness position.
The Statement of Reasons detailed multiple outstanding debts, including a $666 credit account in collection from 2002, a $126 account in collection from 2003, and several accounts charged off in 1999 for $5,419, $153, and $8,481. Further debts included a $5,610 account in collection from 2005, and accounts from 2000 for $4,114 and $95. Other items included a $951 collection account from 1999, a $2,111 amount charged off in 2004, and a $3,611 account charged off in 2002. One student loan for $1,785 was paid in 2006.
Despite acknowledging his debts, the applicant failed to demonstrate good faith efforts to resolve them. The denial was based on his history of not meeting financial obligations, the lack of good faith efforts to resolve delinquent debts, and the fact that his significant financial problems remained unresolved.
Why the Applicant Was Denied
- Applicant has a history of not meeting financial obligations.
- Applicant has not made good faith efforts to resolve his delinquent debts.
- The applicant's financial problems remain unresolved and significant.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.3rejectedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's ControlApplicant provided no evidence to support this mitigating condition.
- 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 ControlApplicant did not follow through with financial counseling.
- E2.A6.1.3.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsApplicant has not shown a record of steady payments or financial stability.
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 21, 2006
- Answer filedOct 17, 2006
- Hearing heldJan 30, 2007
- Decision dateFeb 27, 2007
Cite For
- Denial of Eligibility Due to Unresolved Financial Obligations
- Failure to Demonstrate Good Faith Efforts in Debt Resolution
- Impact of Financial Irresponsibility on Trustworthiness Determinations