Summary
A defense contractor assembler and single mother was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had several unpaid debts, including a mortgage foreclosure deficiency and a medical bill for $78.00. She refused to pay the mortgage deficiency, believing the mortgage company should not have approved her loan, and declined to pay the medical bill, alleging an unnecessary procedure.
A primary concern was the applicant's failure to disclose these financial issues on her security clearance application. Specifically, she did not disclose an unpaid judgment, financial delinquencies over 180 days, or the mortgage repossession. These omissions were considered deliberate and raised significant questions about her trustworthiness and financial responsibility.
The applicant's explanations for not disclosing the debts were deemed not credible, as the debts fell within the required disclosure period. The combination of her refusal to resolve outstanding debts and her deliberate failure to disclose them on her application led to the denial of her security clearance.
Why the Applicant Was Denied
- The applicant refused to pay a mortgage foreclosure deficiency and a medical bill, raising concerns about her financial responsibility.
- The applicant failed to disclose significant debts on her security clearance application, which was deemed a deliberate omission.
- The applicant's explanations for not disclosing her debts were not credible, as the debts fell within the required disclosure period.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations.
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts.
- E2.A5.1.2.2appliedThe Deliberate Omission, Concealment, Falsification or Misrepresentation of Relevant and Material Facts.
Key Rule Quoted
“Each adjudicative decision must also include an assessment of: (1) the nature, extent, and seriousness of the conduct; (2) the circumstances surrounding the conduct, and the extent of knowledgeable participation; (3) how recent and frequent the behavior was; (4) the individual's age and maturity at the time of the conduct; (5) the voluntariness of participation; (6) the presence or absence of rehabilitation and other pertinent behavioral changes; (7) the motivation for the conduct; (8) the potential for pressure, coercion, exploitation, or duress; and (9) the likelihood of continuation or recurrence.”
Procedural Posture
- SOR issuedNov 14, 2002
- Answer filedNov 25, 2002Applicant requested decision on the written record.
- Hearing held—
- Decision dateApr 2, 2003
Cite For
- Deliberate Omission of Financial Obligations Under Guideline E
- Failure to Disclose Debts on Security Clearance Application
- Financial Irresponsibility as a Disqualifying Condition Under Guideline F