{"id":54922,"date":"2018-08-30T22:31:01","date_gmt":"2018-08-30T22:31:01","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2018\/08\/30\/troops-beware-new-security-clearance-rules-could-bite-you\/"},"modified":"2026-08-08T09:51:16","modified_gmt":"2026-08-08T09:51:16","slug":"troops-beware-new-security-clearance-rules-could-bite-you","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/management\/pay-benefits\/2018\/08\/30\/troops-beware-new-security-clearance-rules-could-bite-you\/","title":{"rendered":"Troops beware: New security clearance rules could bite you"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">More service members could be at risk of losing their <a href=\"https:\/\/www.militarytimes.com\/news\/pentagon-congress\/2018\/06\/03\/pentagon-to-take-over-security-clearance-checks\/\" target=_blank>security clearances<\/a> if they don\u2019t keep on top of their finances, because of changes in rules for the security clearance process, according to advocates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the new guidelines, officials will conduct \u201ccontinuous\u201d monitoring of federal employees who have roles in national security, including service members. Historically, individuals were up for periodic reviews every five to 10 years, depending on the type of clearance. The new, continuous evaluation will include a system that automatically pulls data on workers\u2019 <a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/mil-money\/2018\/04\/17\/why-your-credit-score-matters-and-how-troops-veterans-and-families-can-up-their-numbers\/\" target=_blank>financial<\/a> and criminal records, and, eventually, data from social media.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThis new process might impact your DoD security clearance and prevent you from being deemed \u2018deployable,\u2019 which could greatly impact your military career unless you can prove to DoD that you were the victim of<a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/mil-money\/2018\/02\/27\/8-ways-for-troops-families-and-veterans-to-fight-identity-theft\/\" target=\"_blank\"> identity theft<\/a>, fraud or a mistake, and that you\u2019re currently<a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/mil-money\/2018\/06\/21\/heres-how-to-get-your-emergency-fund-started\/\" target=\"_blank\"> living within your means<\/a> and are making a good-faith effort to resolve your unpaid debts,\u201d stated a <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/warno-new-security-clearance-guidelines-make-it-more-important-ever-servicemembers-monitor-their-credit\/\" target=\"_blank\">recent blog<\/a> from the <a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/2018\/08\/23\/advocates-to-mattis-dont-waver-in-protecting-troops-against-predatory-lenders\/\" target=\"_blank\">Consumer Financial Protection Bureau<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the previous system, service members and other individuals had more time to address financial issues after they arose, said Anthony Kuhn, an attorney with Tully Rinckey PLLC, who has extensive experience helping service members navigate problems involving security clearance suspensions and revocations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the longer time between investigations, service members had time to catch up and put payment plans in place, and deal with late payments or missed payments, Kuhn said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBut under the new system, they\u2019re going to have to face the consequences of those late payments or missed payments quicker than they would have.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kuhn noted that there were well over 2,000 appeals related to security clearances heard by the Defense Office of Hearings and Appeals in 2017, and of the 13 adjudicative guidelines for security clearances, financial considerations alone accounted for more than 50 percent of the cases heard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI expect that number is going to jump exponentially,\u201d he said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There will be more financial consideration cases, and service members \u201cwill have a more difficult time mitigating the government\u2019s concerns in dealing with whatever issues arise.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The shift to a more automated system, Kuhn said, is partly to help deal with the backlog of security clearance investigations, but \u201cironically &#8230; it\u2019s actually going to create a larger backlog of cases, because more people are going to have to litigate to retain their security clearance.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over the next three years, the Defense Department will take responsibility for all background investigations involving military and DoD civilian employees and contractors.<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/militarytimes\/news\/pentagon-congress\/2018\/06\/03\/pentagon-to-take-over-security-clearance-checks\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/AP_474867741801.jpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">This is why the Pentagon is taking over security clearance checks<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">The Defense Department is poised to take over background investigations for the federal government, using increased automation and high-tech analysis to tighten controls and tackle an enormous backlog of workers waiting for security clearances, according to U.S. officials.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">Defense Department officials did not immediately have information on whether DoD has started the continuous evaluation process \u2014 or about how often the \u201ccontinuous\u201d monitoring will be conducted, or what could trigger the process to revoke a clearance. For example, would a bankruptcy automatically trigger it? How about being 60 days late paying a utility bill?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBasically, it\u2019s really probably going to boil down to whether service members are living outside of their means,\u201d said Kuhn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A financial flag could be as simple as being unable to pay taxes due, Kuhn said. He gave the example of owing more money than anticipated when filing the taxes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cUnless you quickly enter into a payment plan and can show a pattern of repayment, your taxes alone could end up causing you to fight to maintain your security clearance,\u201d he said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kuhn expects mechanisms to continue for individuals to respond to the government\u2019s concerns, which usually begin with \u201cinterrogatories\u201d from an investigator.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cAs far as I know, they\u2019ll have the same due process protections,\u201d he said, including the ability to appeal a decision to revoke the clearance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBut there will be a lot more financial consideration cases that the [Defense Office of Hearings and Appeals] will have to deal with, and [individuals] will have a more difficult time mitigating the government\u2019s concerns in dealing with whatever issues arise,\u201d he said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThe big thing to consider here is there\u2019s much less expectation for privacy for service members or even federal employees with these security clearances because it\u2019s a matter of national security, so the government tends to be able to get past that expectation of privacy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cThere definitely will be a lot more monitoring.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Advice to service members<\/b><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Don\u2019t procrastinate. \u201cIf you know you\u2019re going to be late on a bill, you should call your creditor,\u201d Kuhn said. See if you can work out a payment plan, such as tacking on that payment to the end of the payment schedule. \u201cDon\u2019t wait. If you wait, that\u2019s what your clearance is going to be revoked for. If you\u2019re making a good faith effort to pay back the debt, and to keep your debt current, and you\u2019re at least requesting and working on entering into a good payment plan, then I don\u2019t see any reason why the clearance would be revoked,&#8221; Kuhn said.<\/li><li>.Monitor your finances. Check your accounts frequently to make sure no one is stealing from your bank accounts or credit card accounts, for example.&nbsp;<\/li><li>Check your credit reports. You\u2019re entitled to one free report each year from each of the three major credit reporting bureaus (Equifax, Experian, and TransUnion), through the website <a href=\"http:\/\/annualcreditreport.com\/\" target=_blank>AnnualCreditReport.com<\/a>. You can spread these three reports out through the year. Make sure the information is accurate, and quickly start to address any errors.<\/li><li>Keep tabs on your credit score, which compiles information from your credit reports about your creditworthiness. Service members and spouses can get a free credit score provided by the Financial Industry Regulatory Authority Investor Education Foundation, by contacting a personal financial manager on your nearest installation.&nbsp;<\/li><li>Consider putting a freeze on your credit reports, which keeps prospective lenders from gaining access to your credit information in order to open credit in your name \u2014 unless you lift that freeze. Active duty members who are deployed can also ask for a special \u201cactive-duty alert,\u201d which requires creditors to take extra steps before granting credit in the service member\u2019s name.&nbsp;<\/li><li>If you have difficulty in clearing up errors on your credit report, submit a complaint to the Consumer Financial Protection Bureau. &nbsp;Two of the most reported issues to CFPB by service members, veterans and their families are problems with credit reporting and debt collection, according to CFPB. &nbsp;&nbsp;<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Questions remain about what triggers a move to revoke the clearance.<\/p>\n","protected":false},"author":7,"featured_media":27602,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":15,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[101,23,89,78,12,26,15],"tags":[],"coauthors":[3300],"class_list":["post-54922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-daily-news-roundup","category-home","category-middle-column","category-mil-money","category-news","category-newsletters","category-pay-benefits"],"acf":{"subheadline":"","legacy_arc_id":"6DS3QI4RHNEBFDPRGD3EJGJLIY","arc_canonical_url":"\/pay-benefits\/2018\/08\/30\/troops-beware-new-security-clearance-rules-could-bite-you\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Troops beware: New security clearance rules could bite you - Navy Times<\/title>\n<meta name=\"description\" content=\"Questions remain about what triggers a move to revoke the clearance.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Troops beware: New security clearance rules could bite you\" \/>\n<meta property=\"og:description\" content=\"Questions remain about what triggers a move to revoke the clearance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/one.sightlinemg.com\/navytimes\/management\/pay-benefits\/2018\/08\/30\/troops-beware-new-security-clearance-rules-could-bite-you\/\" 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