Summary
A 54-year-old defense contractor employee was denied a security clearance due to concerns under Guideline E (Personal Conduct), Guideline F (Financial Considerations), and Guideline J (Criminal Conduct). The denial stemmed from significant financial difficulties, a history of criminal convictions, and intentional falsifications on her Security Clearance Application.
The applicant had multiple unpaid debts totaling over $17,000, including 12 medical debts, charged-off accounts with CAP 1 Bank and Citi, and collection accounts with JeffersNCP, Midland Credit, Credit Protection, Cross Check, and United Illumina. Judgments were entered against her for debts to Capital One and another creditor. Additionally, she fell behind on an AmeriCredit automobile loan, and her March 2007 financial statement showed monthly expenses exceeding income.
Crucially, the applicant intentionally provided false information on her application, denying both being more than 180 days delinquent on debts in the past seven years and being over 90 days delinquent at the time of the application. Her criminal history included convictions for Larceny in 1980 and 1985, Assault in 1984, and Issuing a Bad Check in 1985, 1992, and 1995. The judge concluded that her financial irresponsibility, intentional falsifications, and criminal record undermined her trustworthiness for classified information access, leading to the denial.
Why the applicant was denied
- The applicant had significant financial difficulties, including multiple unpaid debts totaling over $17,000.
- The applicant intentionally falsified material facts on her Security Clearance Application, undermining her credibility.
- The applicant's history of criminal convictions raised concerns about her judgment and reliability.
Conditions referenced
- DC 19aappliedInability or Unwillingness to Satisfy Debts
- DC 19cappliedA History of Not Meeting Financial Obligations
- DC 16aappliedDeliberate Omission, Concealment, or Falsification of Relevant Facts
- DC 31aappliedA Single Serious Crime or Multiple Lesser Offenses
Key rule quoted
“When such an individual intentionally falsifies material facts on an SCA, it is extremely difficult to conclude that he or she nevertheless possesses the good judgment, reliability and trustworthiness required of clearance holders.”
Procedural posture
- SOR issuedJul 27, 2007
- Answer filedAug 21, 2007Applicant elected to have her case determined on a written record.
- Hearing held—Case assigned to judge on December 5, 2007.
- Decision dateDec 13, 2007
Cite for
- Financial Irresponsibility as a Disqualifying Factor Under Guideline F
- Intentional Falsification of Information on a Security Clearance Application as a Disqualifying Factor Under Guideline E
- Criminal Convictions Impacting Security Clearance Eligibility Under Guideline J