Summary
A 40-year-old security clearance applicant was denied due to concerns under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The applicant had multiple unpaid debts, including a $6,037 judgment, a $4,290 loan, and two credit card debts totaling $9,321, $234, and $494 respectively. Additionally, she provided incorrect information on her SF 86 regarding the existence of an unpaid judgment and debts delinquent over 180 days, which she denied was deliberate.
While the applicant established one debt was a duplication and refuted another, she failed to adequately address or pay two remaining debts, despite having the financial resources to do so. Her financial difficulties were attributed to an unwillingness to pay or resolve these obligations, rather than circumstances beyond her control.
The false statements made on her SF 86 concerning financial matters were deemed deliberate. Consequently, the applicant's security clearance was denied, primarily due to her failure to resolve outstanding debts and the deliberate provision of false information on her application.
Why the Applicant Was Denied
- Applicant failed to adequately controvert or pay two debts despite having the financial resources to do so.
- Applicant provided false information on her SF 86 regarding unpaid judgments and delinquent debts, which was deemed deliberate.
- The applicant's financial difficulties were not caused by circumstances beyond her control, but rather by her unwillingness to pay or resolve her debts.
Conditions Referenced
- E2.A5.1.2.2appliedPersonal Conduct Disqualifying Condition
- E2.A6.1.2.1appliedFinancial Considerations Disqualifying Condition
- E2.A6.1.2.3appliedFinancial Considerations Disqualifying Condition
- E2.A6.1.3.1rejectedFinancial Considerations Mitigating ConditionThe behavior was not recent.
- E2.A6.1.3.2rejectedFinancial Considerations Mitigating ConditionIt was an isolated incident.
- E2.A6.1.3.3rejectedFinancial Considerations Mitigating ConditionConditions that resulted in the behavior were largely beyond the person's control.
- E2.A5.1.3.2rejectedPersonal Conduct Mitigating ConditionThe falsification was not an isolated incident and was recent.
- E2.A5.1.3.3rejectedPersonal Conduct Mitigating ConditionThe applicant did not make prompt, good-faith efforts to correct the falsification.
Key Rule Quoted
“An individual who is financially overextended is at risk of having to engage in illegal acts to generate funds.”
Procedural Posture
- SOR issuedDec 23, 2005
- Answer filedJan 9, 2006Applicant elected to have her case decided on the written record.
- Hearing held—No hearing was held.
- Decision dateJul 31, 2006
Cite For
- Failure to Mitigate Financial Obligations Under Guideline F
- Deliberate Falsification of Information on SF 86 Under Guideline E
- Consideration of the Whole Person Concept in Security Clearance Decisions