Summary
A 50-year-old human resources administrator was denied a security clearance under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from significant delinquent debts totaling over $26,000 and the applicant's failure to disclose all debts on her e-QIP.
Specifically, the applicant owed $4,772 on an installment debt in collection since June 2005, $1,364.64 on a collected debt, $5,513 in rental fees in collection since September 2004, $1,519 on a debt sold to another creditor, $3,700 on a credit card in collection since December 2001, $579 on a past due balance in collection, and $3,474 on a delinquent credit card in collection since February 2004. Additionally, she owed $3,281 on a credit card where she was an authorized user. Other debts, including $1,500, $1,688, and $155 on credit card accounts, were settled, and a $99 medical debt was paid after collection.
The judge found that the applicant's financial issues were too recent and unresolved to mitigate security concerns, noting over $18,000 in outstanding debts. While the judge determined the applicant's explanations for omissions on her September 2006 e-QIP did not demonstrate an intent to deceive, her failure to disclose all debts and her overall financial history led to the denial, as she did not demonstrate a responsible approach to resolving her financial issues.
Why the Applicant Was Denied
- The applicant has a history of financial delinquency with over $18,000 in unresolved debts.
- The applicant failed to demonstrate a responsible approach to resolving her financial issues.
- The applicant's explanations for omissions on her e-QIP did not mitigate concerns about her reliability and trustworthiness.
Conditions Referenced
- F1raisedFinancial ConsiderationsFailure or inability to live within one's means, satisfy debts, and meet financial obligations.
- E2raisedPersonal ConductDeliberate omission, concealment, or falsification of relevant facts from any personnel security questionnaire.
- F2rejectedFinancial ConsiderationsThe applicant's financial problems are too recent to satisfy mitigating conditions.
- E3rejectedPersonal ConductThe applicant's explanations for omissions did not demonstrate intent to deceive.
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 issuedFeb 28, 2008
- Answer filedMar 26, 2008Applicant requested a decision without a hearing.
- Hearing held—Decision based on written submissions.
- Decision dateJul 28, 2008
Cite For
- Denial of Security Clearance Due to Unresolved Financial Obligations
- Failure to Disclose Debts on E-qip as a Disqualifying Factor
- Insufficient Evidence of Good-faith Efforts to Resolve Financial Issues