Summary
A 34-year-old electrician employed by a Department of Defense contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from a history of financial difficulties, including 23 unresolved delinquent accounts totaling approximately $10,173, and a prior bankruptcy.
Specific allegations included multiple collection accounts for cell phone bills, credit cards, furniture rental, utilities, and numerous medical debts, with collection dates ranging from 2002 to 2009. The judge found that these financial issues raised questions about the applicant's reliability and trustworthiness.
Despite the applicant's claims of confusion regarding his financial disclosures, and the omission of delinquencies on his application not being deemed intentional, the overall financial situation remained concerning. The applicant failed to demonstrate a plan to resolve his financial issues, leading to the denial of his security clearance.
Why the Applicant Was Denied
- The applicant has a long history of financial problems, including 23 unresolved delinquent accounts totaling approximately $10,173.
- The applicant failed to demonstrate a plan to resolve his financial issues, which raises questions about his reliability and trustworthiness.
- The applicant's omission of financial delinquencies on his security clearance application was not deemed intentional, but his overall financial situation remained concerning.
Conditions Referenced
- FC DC 19(a)appliedInability or Unwillingness to Satisfy Debts
- FC DC 19(c)appliedA History of Not Meeting Financial Obligations
- PC DC 16(a)rejectedDeliberate Omission, Concealment, or Falsification of Relevant FactsThe judge found the applicant did not deliberately intend to falsify his security clearance questionnaires.
- FC MC 20(b)appliedConditions Largely Beyond the Person's ControlThe applicant's financial difficulties were exacerbated by a job loss and recent marital separation.
- FC MC 20(c)rejectedReceived Counseling or Indications That the Problem Is Being ResolvedThe applicant has not attended financial counseling and has not taken steps to resolve his debts.
- FC MC 20(d)rejectedGood-faith Effort to Repay CreditorsThe applicant has not developed a plan to resolve his delinquent accounts.
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 issuedJul 22, 2008
- Answer filedAug 28, 2008
- Hearing heldOct 31, 2008
- Decision dateDec 4, 2008
Cite For
- Financial Difficulties Impacting Security Clearance Eligibility
- Failure to Disclose Financial Delinquencies on Security Clearance Applications
- Consideration of Personal Conduct in Financial Matters