Summary
A 45-year-old defense contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had 28 delinquent debts, totaling approximately $25,000, most of which remained unresolved at the time of the decision. These financial issues raised disqualifying conditions under Guideline F.
Additionally, the applicant admitted to intentionally omitting information about these delinquent debts when completing her security clearance application, which constituted falsification and raised a disqualifying condition under Guideline E.
Despite the application of several mitigating conditions related to financial considerations, the judge found insufficient evidence to resolve the financial issues. There was no evidence presented of financial counseling or responsible actions taken to resolve the outstanding debts. Coupled with the admitted falsification of the application, the security clearance was denied.
Why the Applicant Was Denied
- Applicant has 28 delinquent debts totaling approximately $25,000, most of which remain unresolved.
- Applicant admitted to falsifying her security clearance application by omitting relevant financial information.
- There was no evidence of financial counseling or responsible actions taken to resolve debts.
Conditions Referenced
- F.1.araisedInability to Satisfy Debts
- F.1.braisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
- F.1.craisedA History of Not Meeting Financial Obligations
- E.2.aappliedDeliberate Omission, Concealment, or Falsification of Relevant Facts
- F.2.bappliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlApplicant attributed her financial problems to unemployment and being a single mother.
- F.2.crejectedThe Individual Has Received or Is Receiving Financial CounselingThere is no evidence of financial counseling.
- F.2.drejectedThe Individual Initiated and Is Adhering to a Good-faith Effort to Repay Overdue CreditorsApplicant failed to document any efforts to contact creditors or set up payment plans.
- F.2.erejectedThe Individual Has a Reasonable Basis to Dispute the Legitimacy of the Past-due DebtApplicant failed to document her disputed debts.
Key Rule Quoted
“The protection of the national security is the paramount consideration.”
Procedural Posture
- SOR issuedDec 18, 2017
- Answer filedFeb 13, 2018Applicant elected to have her case decided on the written record.
- Hearing held—No hearing; decided on written record.
- Decision dateAug 31, 2018
Cite For
- Failure to Mitigate Financial Considerations Under Guideline F
- Admission of Falsifying Information on Security Clearance Application Under Guideline E
- Impact of Unresolved Debts on Security Clearance Eligibility