Summary
The applicant, a 42-year-old defense contractor, faced security clearance denial under Guideline E (Personal Conduct) and Guideline F (Financial Considerations) due to significant delinquent debts totaling $23,804 and failure to disclose these debts on his security clearance application. The judge found that the applicant's lack of effort to resolve his debts and refusal to grant access to his credit records raised serious concerns about his judgment and reliability.
Under Guideline E (Personal Conduct) and Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Installment account - $707.00 (1.a). Cable bill - $70.00 (1.b). Medical bill - $75.00 (1.c). Medical insurance bill - $78.00 (1.d). Collection account - $4,539.00 (1.e). Credit finance company - $347.00 (1.f). Commercial bank - $17,988.00 (1.g).
The judge denied the clearance. The government raised disqualifying conditions E2.A5.1.1.2, E2.A5.1.2.2, E2.A6.1.2.1, E2.A6.1.2.3. The decision turned on the following: Applicant has $23,804 in delinquent debt, which he failed to disclose on his security clearance application; Applicant refused to allow the Defense Security Service access to his credit records; Applicant made no effort to resolve his debts or communicate with creditors, raising concerns about his reliability.
Why the Applicant Was Denied
- Applicant has $23,804 in delinquent debt, which he failed to disclose on his security clearance application.
- Applicant refused to allow the Defense Security Service access to his credit records.
- Applicant made no effort to resolve his debts or communicate with creditors, raising concerns about his reliability.
Conditions Referenced
- E2.A5.1.1.2appliedRefusal to Complete Required Security Forms, Releases, or Provide Full, Frank and Truthful Answers to Lawful Questions of Investigators, Security Officials or Other Official Representatives in Connection with a Personnel Security or Trustworthiness Determination.
- E2.A5.1.2.2appliedThe Deliberate Omission, Concealment, or Falsification of Relevant and Material Facts From Any Personnel Security Questionnaire, Personal History Statement, or Similar Form Used to Conduct Investigations, Determine Employment Qualifications, Award Benefits, or Status, Determine Security Clearance Eligibility or Trustworthiness, or Award Fiduciary Responsibilities.
- E2.A6.1.2.1appliedA History of Not Meeting Financial Obligations.
- E2.A6.1.2.3appliedInability or Unwillingness to Satisfy Debts.
Key Rule Quoted
“Any doubt about whether an applicant should be allowed access to classified information must be resolved in favor of protecting classified information.”
Procedural Posture
- SOR issuedMay 4, 2004
- Answer filedMay 17, 2004Applicant responded in a sworn statement.
- Hearing held—Applicant did not wish to personally present his case.
- Decision dateJul 22, 2005
Cite For
- Denial of Security Clearance Due to Significant Financial Delinquencies
- Failure to Disclose Debts on Security Clearance Application
- Lack of Effort to Resolve Financial Obligations as a Security Concern