Summary
The applicant, a 31-year-old high school graduate employed by a government contractor, faced security clearance denial under Guidelines E and F due to significant financial difficulties and willful falsification of information on his e-QIP. The judge found that the applicant's failure to address outstanding debts and his dishonest responses raised serious concerns about his reliability and trustworthiness.
Under Guideline E (Personal Conduct) and Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant answered “No” to “Section 26: Financial Record: In the past seven (7) years, have you defaulted on any type of loan; had bills or debts turned over to a collection agency, had any account or credit suspended, charged off, or cancelled for failing to pay as agreed; been or currently 120 days delinquent on any debt?” (2.a). Applicant admits that he is indebted to Creditor A for a credit card debt in the amount of about $6,570 (1.a). Applicant admits that he is indebted to Creditor B for “an old cell phone” debt in the amount of about $210 (1.b). Applicant admits that he is indebted to Creditor C for two medical debts in the amount of about $162 and $20, respectively (1.c). Applicant admits that he is indebted to Creditor E for another cell phone debt in the amount of about $386 (1.e). Applicant admits that he is indebted to Creditor F for an internet debt in the amount of about $421 (1.f). Applicant admits that he is indebted to Creditor G for a credit card debt in the amount of about $2,834 (1.g).
The judge denied the clearance. The government raised disqualifying conditions F.19.a, F.19.c, E.16.a. The decision turned on the following: The applicant has significant outstanding debts, including credit card and medical debts, indicating an inability to manage financial obligations; The applicant willfully falsified information on his e-QIP regarding his financial record, demonstrating a lack of candor and honesty.
Why the applicant was denied
- The applicant has significant outstanding debts, including credit card and medical debts, indicating an inability to manage financial obligations.
- The applicant willfully falsified information on his e-QIP regarding his financial record, demonstrating a lack of candor and honesty.
Conditions referenced
- F.19.araisedInability or Unwillingness to Satisfy Debts
- F.19.craisedA History of Not Meeting Financial Obligations
- E.16.araisedDeliberate Omission, Concealment, or Falsification of Relevant Facts
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 issuedMar 28, 2015
- Answer filedApr 29, 2015
- Hearing heldAug 12, 2015
- Decision dateOct 6, 2015
Cite for
- Financial Difficulties Impacting Security Clearance Eligibility
- Willful Falsification of Information on Security Clearance Applications
- Lack of Candor as a Disqualifying Factor Under Guideline E