Summary
A 51-year-old applicant was denied a security clearance under Guideline E (Personal Conduct) and Guideline F (Financial Considerations). The denial stemmed from eleven alleged delinquent debts, ten of which were substantiated, totaling $13,936. These debts included various credit card accounts, telephone and cell phone services, a gymnasium debt, and medical debts, with the earliest dating back to December 1999 and the latest to January 2006. One alleged credit card debt from December 2002 was not substantiated.
A significant factor in the denial was the applicant's admission to falsifying her 2005 Security Clearance Application (SF 86). Specifically, she deliberately provided false answers to Questions 38 and 39 and omitted important information to conceal her financial problems. This lack of candor raised concerns under Personal Conduct.
Ultimately, the clearance was denied because the applicant failed to address or resolve the ten substantiated delinquent debts. Her admitted falsification of the security clearance application regarding her financial status further demonstrated a lack of candor and reliability, leading to the final decision.
Why the Applicant Was Denied
- Applicant had ten substantiated delinquent debts totaling $13,936, which she failed to address or resolve.
- She admitted to falsifying her Security Clearance Application regarding her financial situation, indicating a lack of candor and reliability.
Conditions Referenced
- E2.A5.1.2.2appliedDeliberate Omission, Concealment, or Falsification of Relevant and Material Facts
- E2.A5.1.2.3appliedDeliberate Provision of False or Misleading Information
- E2.A6.1.2.1appliedHistory of Not Meeting Financial Obligations
- E2.A6.1.2.3appliedInability or Unwillingness to Satisfy Debts
- E2.A6.1.3.4rejectedReceived or Receiving Counseling for the ProblemInsufficient evidence to establish that Applicant showed good faith in the resolution of her debts.
- E2.A6.1.3.1rejectedBehavior Was Not RecentApplicant had multiple delinquent debts at the time of the hearing.
- E2.A6.1.3.2rejectedIsolated IncidentThe falsification was not an isolated incident as it was part of a pattern of behavior.
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 issuedAug 31, 2006
- Answer filedSep 17, 2006Notarized response to SOR allegations.
- Hearing heldNov 27, 2006
- Decision dateDec 29, 2006
Cite For
- Denial of Clearance Due to Multiple Delinquent Debts Under Guideline F
- Falsification of Information on a Security Clearance Application Under Guideline E
- Impact of Financial Irresponsibility on Security Clearance Eligibility