Summary
The applicant, a 43-year-old woman employed as a computer technician, faced financial considerations under Guideline F due to a history of failing to meet financial obligations, including seven delinquent accounts totaling over $68,900. Despite mitigating four debts, she could not resolve three significant debts exceeding $56,600, leading to a denial of her security clearance application.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Utility charges incurred total $219.00 and were charged off in December 1999. As of January 2006, this debt was still outstanding (1.a). In June 2001, the bank obtained a judgment against Applicant in the amount of $56,144.00 (1.b). The SOR alleged Applicant has a debt for $303.00 which went to collections in March 2003 (1.c). The last four debts appear to be student loans in the amounts of $1,807.36 (1.d). The last four debts appear to be student loans in the amounts of $3,205.00 (1.e). The last four debts appear to be student loans in the amounts of $4,518.38 (1.f). The last four debts appear to be student loans in the amounts of $2,768.71 (1.g).
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.A6.1.3.3. The decision turned on the following: The applicant had a history of failing to meet financial obligations, with seven delinquent accounts totaling over $68,900; She was unable to provide sufficient evidence of efforts to resolve her significant debts, particularly three debts exceeding $56,600; The applicant's financial problems were ongoing and not isolated, indicating a lack of financial responsibility.
Why the Applicant Was Denied
- The applicant had a history of failing to meet financial obligations, with seven delinquent accounts totaling over $68,900.
- She was unable to provide sufficient evidence of efforts to resolve her significant debts, particularly three debts exceeding $56,600.
- The applicant's financial problems were ongoing and not isolated, indicating a lack of financial responsibility.
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 attributed her financial difficulties to the inability to sell her home due to neighborhood deterioration.
Key Rule Quoted
“Security clearances are granted only when "it is clearly consistent with the national interest to do so."”
Procedural Posture
- SOR issuedJun 29, 2006
- Answer filedJul 10, 2006Applicant requested a decision on the written record.
- Hearing held—No hearing was held; decision made on the written record.
- Decision dateMar 15, 2007
Cite For
- Denial of Security Clearance Due to Unresolved Significant Debts
- Financial Irresponsibility as a Security Concern Under Guideline F
- Mitigating Conditions Related to Financial Difficulties Beyond the Applicant's Control