Summary
The applicant, a 52-year-old Desktop Support Specialist with a Master's Degree, faced security clearance denial under Guideline F (Financial Considerations) due to significant financial indebtedness exceeding $32,000 and a history of poor financial management. Additionally, under Guideline E (Personal Conduct), the applicant was found to have deliberately omitted relevant financial information from his security clearance application, demonstrating a lack of candor and poor judgment. The judge concluded that the applicant's financial irresponsibility and dishonesty raised serious concerns about his reliability and trustworthiness.
Under Guideline F (Financial Considerations), the Statement of Reasons alleged the following: a medical debt owed to a creditor in the amount of $11,397 (1.a). a debt owed to a creditor in the amount of $2,346 (1.b). a debt owed to a bank in the amount of $4,786 (1.c). a debt owed to a creditor in the amount of $2,125 (1.d). a judgment entered against the Applicant by a bank in the amount of $5,564 (1.e). a judgment entered against the Applicant by a bank in the amount of $3,615 (1.f). a debt owed to a creditor in the amount of $711 (1.g). a debt owed to a gasoline company in the amount of $1,377 (1.h). a debt owed to a creditor in the amount of $811 (1.i).
The judge denied the clearance. The government raised disqualifying conditions 16.(a), 19.(a), 19.(c). The decision turned on the following: The applicant admitted to being financially overextended with debts exceeding $32,000; The applicant failed to provide evidence of resolving his debts or making payments toward them; The applicant deliberately omitted significant financial information from his security clearance application, indicating a lack of candor.
Why the Applicant Was Denied
- The applicant admitted to being financially overextended with debts exceeding $32,000.
- The applicant failed to provide evidence of resolving his debts or making payments toward them.
- The applicant deliberately omitted significant financial information from his security clearance application, indicating a lack of candor.
Conditions Referenced
- 16.(a)appliedDeliberate Omission, Concealment, or Falsification of Relevant Facts
- 19.(a)appliedInability or Unwillingness to Satisfy Debts
- 19.(c)appliedA History of Not Meeting Financial Obligations
Key Rule Quoted
“An individual who is financially overextended is at risk of having to engage in illegal acts to generate funds.”
Procedural Posture
- SOR issuedSep 11, 2013
- Answer filedOct 12, 2013Applicant elected to have the case determined on a written record.
- Hearing held—No hearing; case determined on written record.
- Decision dateMay 9, 2014
Cite For
- Financial Irresponsibility Under Guideline F
- Lack of Candor in Security Clearance Applications Under Guideline E
- The Importance of Demonstrating Financial Rehabilitation for Security Clearance Eligibility