Summary
A 36-year-old federal contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had approximately $58,907 in delinquent debts, including two judgments and six delinquent student loans. Specific debts included a $6,323 loan for a repossessed vehicle, $5,296 in unpaid rent, approximately $12,019 in student loans, $5,464 in medical debts, and $41,424 in various consumer accounts.
The judge found that the applicant intentionally failed to disclose these financial delinquencies on her security clearance application, which was a key factor in the denial. This omission raised concerns about her personal conduct and undermined her credibility.
While some mitigating conditions related to financial considerations were applied, the applicant did not provide sufficient evidence of actions taken to resolve her financial issues or to budget her finances. Ultimately, the intentional failure to disclose financial information, combined with the significant delinquent debt, led to the denial of her security clearance eligibility.
Why the Applicant Was Denied
- Applicant had approximately $58,907 in delinquent debts, including two judgments and six delinquent student loans.
- Applicant intentionally failed to disclose financial delinquencies on her security clearance application, undermining her credibility.
- The applicant did not provide sufficient evidence of actions taken to resolve her financial issues or to budget her finances.
Conditions Referenced
- F.1.araisedInability or Unwillingness to Satisfy Debts
- F.1.craisedA History of Not Meeting Financial Obligations
- E.2.araisedDeliberate 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 insufficient wages and medical expenses for her child.
- F.2.crejectedThe Person Has Received or Is Receiving Counseling for the ProblemApplicant did not provide evidence of counseling or that her financial problems are being resolved.
- F.2.drejectedThe Individual Initiated a Good-faith Effort to Repay Overdue CreditorsApplicant did not provide evidence of a good-faith effort to resolve her delinquent debts.
Key Rule Quoted
“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of national security.”
Procedural Posture
- SOR issuedOct 30, 2014
- Answer filedDec 22, 2014
- Hearing held—Decided on the written record.
- Decision dateDec 31, 2015
Cite For
- Failure to Disclose Financial Delinquencies on a Security Clearance Application Under Guideline E
- Significant Financial Issues Impacting Security Clearance Eligibility Under Guideline F
- The Importance of Providing Truthful and Candid Answers During the Security Clearance Process.