Summary
A 45-year-old secretary for a defense contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct), Guideline F (Financial Considerations), and Guideline J (Criminal Conduct). The applicant had three unpaid and delinquent credit card debts totaling over $21,000. Additionally, she failed to disclose two other delinquent credit card debts, totaling approximately $20,000, on her security clearance application, which were 90 days or more delinquent at the time of submission.
The denial was based on the applicant's significant financial delinquencies and her deliberate omission of material facts from her security clearance application. The judge found that these omissions constituted falsification of information and a violation of federal law regarding false statements. Although the applicant entered a debt repayment plan in 2002, she failed to provide current documentation to demonstrate good faith efforts to resolve her debts.
Ultimately, the judge determined that the applicant did not sufficiently mitigate the concerns related to her financial irresponsibility, personal conduct, and criminal conduct, leading to the denial of her security clearance.
Why the applicant was denied
- Applicant has three unpaid and delinquent credit card debts totaling over $21,000.
- Applicant failed to disclose two delinquent credit card debts on her security clearance application.
- The judge found that the applicant's failure to provide current documentation on her debt repayment plan undermined her claims of good faith efforts to resolve her debts.
- The judge concluded that the applicant's actions constituted a violation of federal law regarding false statements.
Conditions referenced
- E2.A6.1.2.1appliedDC 1: A History of Not Meeting Financial Obligations.
- E2.A6.1.2.3appliedDC 2: Inability or Unwillingness to Satisfy Debts.
- E2.A5.1.2.2appliedDC 2: the Deliberate Omission, Concealment, Falsification or Misrepresentation of Relevant and Material Facts.
- E2.A10.1.2.1appliedDC 1: Allegations or Admissions of Criminal Conduct, Regardless of Whether the Person Was Formally Charged.
- E2.A10.1.2.2appliedDC 2: A Single Serious Crime or Multiple Lesser Offenses.
- E2.A6.1.3.4rejectedMC 4: the Person Has Received Counseling for the Problem.Applicant did not provide evidence of counseling.
- E2.A6.1.3.6rejectedMC 6: the Person Initiated a Good Faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts.Applicant failed to provide current documentation on the status of her debt repayment plan.
Key rule quoted
“"[N]o one has a 'right' to a security clearance."”
Procedural posture
- SOR issuedJul 21, 2003
- Answer filedAug 15, 2003Applicant submitted a signed and sworn statement.
- Hearing held—Applicant requested decision on the written record.
- Decision dateNov 25, 2003
Cite for
- Failure to Disclose Delinquent Debts on Security Clearance Application Under Guideline E
- Financial Overextension and Inability to Satisfy Debts Under Guideline F
- Criminal Conduct Related to Falsification of Information Under Guideline J