Summary
A 41-year-old defense contractor employee was denied a security clearance due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from a history of financial irresponsibility, including approximately $15,000 in delinquent debts.
Specific allegations included multiple charged-off accounts and judgments from 1997 to 2002, ranging from $108 to $6,490. While the applicant claimed some debts were discharged in bankruptcy and others paid, he failed to provide supporting documentation for these assertions.
The judge found that the applicant did not deliberately falsify his security clearance application. However, he did not mitigate the security concerns related to his financial difficulties, specifically by failing to provide documentation for claimed resolutions and not taking action to resolve his delinquent debts. Consequently, the security clearance was denied.
Why the Applicant Was Denied
- The applicant has a history of financial irresponsibility with approximately $15,000 in delinquent debts.
- He failed to provide documentation supporting his claims regarding discharged debts and payments.
- The applicant did not take action to resolve his delinquent debts, indicating an unwillingness to meet financial obligations.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.3appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's ControlThe applicant's financial difficulties were partly due to medical issues that affected his employment.
- E2.A6.1.3.1rejectedThe Behavior Was Not RecentThe applicant has a long-standing history of financial difficulties.
- E2.A6.1.3.2rejectedIt Was an Isolated IncidentThe applicant has multiple ongoing financial issues.
- E2.A6.1.3.4rejectedThe Person Has Received or Is Receiving Counseling for the Problem and There Are Clear Indications That the Problem Is Being Resolved or Is Under ControlThe applicant did not seek financial counseling.
- E2.A6.1.3.6rejectedThe Individual Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant did not demonstrate any good-faith efforts to resolve his debts.
Key Rule Quoted
“The sole purpose of a security clearance determination is to decide if it is clearly consistent with the national interest to grant or continue a security clearance for an applicant.”
Procedural Posture
- SOR issuedJun 22, 2005
- Answer filedOct 12, 2005
- Hearing heldJan 25, 2006
- Decision dateFeb 27, 2006
Cite For
- Denial Based on Financial Irresponsibility Under Guideline F
- Failure to Mitigate Financial Concerns Despite Claims of Circumstances Beyond Control
- Consideration of Personal Conduct Under Guideline E When No Deliberate Falsification Is Found