Summary
The applicant, a 53-year-old packer for a defense contractor, faced security clearance denial under Guideline E (Personal Conduct) and Guideline F (Financial Considerations) due to over $17,000 in delinquent debts and deliberate falsification of her security clearance application regarding her financial status. The judge found that the applicant's financial irresponsibility and lack of candor raised significant security concerns, leading to the denial of her clearance.
Under Guideline E (Personal Conduct) and Guideline F (Financial Considerations), the Statement of Reasons alleged the following: Applicant falsified her security clearance application by failing to note her delinquent debts (2.a). Applicant failed to disclose that, in the previous seven years, she had debts that were currently delinquent (2.b). Delinquent education loan $2,537 (1.a). Bank debt $767 past due (1.b). Credit card $1,913 charged off (1.c). Repossessed car owes $3,502 (1.d). Collection acct $4,399 for credit card debt (1.e). Collection acct $3,101 for credit card debt (1.f). Collection acct $103 (1.h). Collection acct $766--phone she gave to her son (1.i). Delinquent acct $168 (1.j).
The judge denied the clearance. The government raised disqualifying conditions E2.A6.1.2.1, E2.A6.1.2.3, E2.A5.1.1. The decision turned on the following: Applicant has over $17,000 in delinquent debts, charged-off, or in collection status; Applicant failed to contact most creditors and has not made payments on her debts; Applicant deliberately falsified her security clearance application by failing to disclose her delinquent debts.
Why the Applicant Was Denied
- Applicant has over $17,000 in delinquent debts, charged-off, or in collection status.
- Applicant failed to contact most creditors and has not made payments on her debts.
- Applicant deliberately falsified her security clearance application by failing to disclose her delinquent debts.
Conditions Referenced
- E2.A6.1.2.1raisedFinancial Considerations - History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedFinancial Considerations - Unable or Unwilling to Satisfy Debts
- E2.A5.1.1raisedPersonal Conduct - Questionable Judgment and Lack of Candor
Key Rule Quoted
“An applicant who deliberately falsifies material information from an SCA raises a security concern.”
Procedural Posture
- SOR issuedJan 24, 2005
- Answer filedFeb 19, 2005Applicant elected to have her case decided on the record without a hearing.
- Hearing heldApr 19, 2005
- Decision dateJun 10, 2005
Cite For
- Delinquent Debts as a Basis for Security Clearance Denial Under Guideline F
- Deliberate Falsification of Information on a Security Clearance Application Under Guideline E
- Impact of Financial Irresponsibility on Security Clearance Eligibility