Summary
A 55-year-old defense contractor was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from six unpaid debts totaling approximately $14,700 and the falsification of financial information on her security clearance application.
Specifically, the applicant failed to list her financial delinquencies on the questionnaire. These debts included a bank credit card debt of $1,304, which was settled for $569, and another bank credit card debt of $3,620 that remained unpaid. Other unpaid debts included a bank debt of $2,761, a credit card debt of $4,195, and a department store debt of $1,197, all of which the applicant alleged belonged to her mother. Additionally, an automobile debt of $2,891 and a jewelry store debt of $49 were admitted as unpaid.
The judge found insufficient evidence to mitigate the negative implications of her financial delinquencies and dishonesty. The applicant's failure to disclose her financial issues and the falsification of information raised serious concerns about her judgment and trustworthiness, leading to the denial of her security clearance.
Why the Applicant Was Denied
- The applicant has six unpaid debts totaling approximately $14,700.
- She failed to disclose her financial delinquencies on her security clearance application.
- The applicant's falsification of financial information raised serious concerns about her judgment and trustworthiness.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A6.1.2.2rejectedThe Behavior Was Not RecentThe conduct is recent since the debts remain unpaid.
- E2.A6.1.2.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThere was no systematic, concrete method of handling her debts.
- E2.A6.1.2.1rejectedThe Behavior Was Not RecentThe conduct is recent since the debts remain unpaid.
- E2.A6.1.2.2rejectedIt Was an Isolated IncidentThere are six debts.
- E2.A6.1.2.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsNo documentation of payment for most debts.
Key Rule Quoted
“"Any doubt as to whether access to classified information is clearly consistent with national security will be resolved in favor of the national security."”
Procedural Posture
- SOR issuedFeb 4, 2004
- Answer filedMar 26, 2004Applicant elected to have the case decided on the written record.
- Hearing held—No hearing; decided on written record.
- Decision dateMar 2, 2005
Cite For
- Denial Based on Unpaid Debts and Falsification of Financial Information
- Insufficient Evidence to Mitigate Financial Delinquencies
- Serious Concerns About Judgment and Trustworthiness Due to Personal Conduct Issues.