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Summary

A 32-year-old analyst for a defense contractor was denied a security clearance under Guidelines E (Personal Conduct) and F (Financial Considerations). The denial stemmed from approximately $74,000 in delinquent debts and the deliberate falsification of financial information on her e-QIP, executed on February 19, 2015.

The Statement of Reasons (SOR) detailed numerous overdue debts, including multiple delinquent student loan accounts and other collection debts. These debts ranged from $39 to $36,403, with several having significant outstanding balances. On her e-QIP, the applicant answered "No" to questions regarding judgments, loan defaults, bills turned over to collection, suspended or charged-off accounts, and being over 120 days delinquent on any debt, thereby failing to disclose these financial issues.

The judge found that the applicant did not provide evidence of resolving her debts and offered no reasonable explanation for her omissions. This led to concerns about her reliability and trustworthiness, resulting in the denial of her security clearance.

Why the Applicant Was Denied

• The applicant has approximately $74,000 in delinquent debts, with no evidence of resolution or payment provided.
• The applicant deliberately falsified financial information on her e-QIP, failing to disclose multiple delinquent accounts and debts.

Conditions Referenced

Key Rule Quoted

“Any doubt concerning personnel being considered for national security eligibility will be resolved in favor of the national security.”

Procedural Posture

• SOR issuedMar 10, 2016
• Answer filedJun 21, 2016
• Hearing held—Applicant requested decision on the written record.
• Decision dateAug 20, 2018

Cite For

• Deliberate Falsification of Financial Information Under Guideline E
• Significant Financial Difficulties as a Disqualifying Condition Under Guideline F
• Failure to Provide Evidence of Debt Resolution as a Factor in Security Clearance Denial