Summary
A 26-year-old former Marine Corps Reservist was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had unresolved financial issues totaling $19,044.00, including collection accounts for $248.00, $7,361.00, $3,210.00, and $1,885.00. These financial delinquencies were ongoing, with some debts over 180 days delinquent in the last seven years, and others currently over 90 days delinquent.
Additionally, the applicant falsified information on his security clearance application. He failed to disclose significant debts and an alcohol-related arrest, which raised concerns about his credibility and trustworthiness. The judge found that the applicant did not provide adequate documentation to demonstrate progress in resolving his debts.
Disqualifying conditions F.19(a), F.19(c), E.16(a), and E.16(c) were raised, while mitigating conditions F.20(d) and E.17(c) were applied. Ultimately, the security clearance was denied because of the applicant's history of unresolved financial problems and his falsifications on the application.
Why the Applicant Was Denied
- The applicant has a history of unresolved financial problems totaling $19,044.00.
- The applicant falsified answers on his security clearance application regarding financial delinquencies and an alcohol-related arrest.
- The applicant did not provide adequate documentation to show progress in resolving his debts.
Conditions Referenced
- F.19(a)raisedInability or Unwillingness to Satisfy Debts
- F.19(c)raisedA History of Not Meeting Financial Obligations
- E.16(a)raisedDeliberate Omission, Concealment, or Falsification of Relevant Facts
- E.16(c)raisedCredible Adverse Information in Several Adjudicative Issue Areas
- F.20(d)rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not demonstrate sufficient effort to resolve financial concerns.
- E.17(c)appliedThe Offense Is so Minor, or so Much Time Has Passed, or the Behavior Is so Infrequent, or It Happened Under Such Unique Circumstances That It Is Unlikely to RecurThe applicant successfully completed alcohol counseling and has not had further incidents.
Key Rule Quoted
“Failure or inability to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness and ability to protect classified information.”
Procedural Posture
- SOR issuedNov 6, 2006
- Answer filedNov 22, 2006Notarized response to SOR allegations.
- Hearing heldJun 12, 2007
- Decision dateDec 4, 2007
Cite For
- Denial Based on Unresolved Financial Issues Under Guideline F
- Falsification of Information on Security Clearance Application Under Guideline E
- Consideration of Whole Person Concept in Security Clearance Decisions.