Summary
A 37-year-old tech support analyst was denied a security clearance due to concerns under Guideline F (Financial Considerations), Guideline J (Criminal Conduct), and Guideline E (Personal Conduct). The applicant had approximately $5,561 in delinquent debt, including a $2,760 balance from a 1999 automobile repossession, an $820 consumer loan charged off in 1999, a $466 phone bill from 2000, a $1,453 debt to the IRS for tax year 2003, and a $62 medical account from 2001. She also failed to list all delinquent debts on her January 23, 2004, Questionnaire for Public Trust Position Application.
Additionally, the applicant had a history of criminal conduct since 1988, specifically 19 charges for writing fraudulent checks. While some mitigating conditions were considered, the judge found that the applicant had taken no active steps to resolve her debts until after the hearing.
The judge concluded that her financial situation remained unresolved and her past conduct, particularly the fraudulent check charges, demonstrated a pattern of financial irresponsibility. Consequently, the security clearance application was denied.
Why the Applicant Was Denied
- The applicant has approximately $5,561 in unresolved delinquent debt, including a tax lien.
- She has a history of 19 fraudulent check charges from 1988 to 2000, indicating a pattern of financial irresponsibility.
- The applicant took no active steps to resolve her debts until after the hearing.
Conditions Referenced
- E2.A6.1.2.1raisedA History of Not Meeting Financial Obligations
- E2.A1.2.2raisedDeceptive or Illegal Financial Practices
- E2.A6.1.2.3raisedInability or Unwillingness to Satisfy Debts
- E2.A10.1.2.1raisedAllegations or Admission of Criminal Conduct
- E2.A10.1.2.2raisedA Single Serious Crime or Multiple Lesser Offenses
- E2.A6.1.3.3appliedThe Conditions That Resulted in the Behavior Were Largely Beyond the Person's ControlThe applicant's separation from her husband and his lack of support contributed to her financial difficulties.
- E2.A10.1.3.1appliedThe Criminal Behavior Was Not RecentThe applicant has not been charged with a criminal offense since 2000.
- 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 Under ControlThe applicant has not attended financial counseling and much of the debt remains unresolved.
Key Rule Quoted
“"The adjudicative process is an examination of a sufficient period of a person's life to make an affirmative determination that the person is eligible for a security clearance."”
Procedural Posture
- SOR issuedOct 28, 2005
- Answer filedDec 22, 2005Applicant responded to SOR allegations.
- Hearing heldApr 11, 2006Hearing conducted with applicant testifying.
- Decision dateJun 30, 2006
Cite For
- Denial Based on Unresolved Financial Obligations Under Guideline F
- Pattern of Criminal Conduct Impacting Trustworthiness Under Guideline J
- Consideration of Personal Circumstances in Financial Irresponsibility Under Guideline E