On September 13, 2012, an OHA Hearing Officer issued a decision in which she concluded that an individual’s security clearance should not be granted. The Local Security Office (LSO) conducted a Personnel Security Interview (PSI) of the individual to address concerns about the individual’s falsifications and financial irresponsibility. The individual’s behavior raised concerns under Criteria F and L. After conducting a hearing and evaluating the documentary and testimonial evidence, the Hearing Officer found that the individual had not presented sufficient evidence to mitigate these security concerns. Specifically, she found that despite the individual’s acknowledgment of his financially irresponsible behavior and his assurances from his efforts to recover, his recent good-faith efforts to resolve his debt have not yet withstood the test of time. Given, the individual’s pattern of financially irresponsible behavior, the Hearing Officer was not convinced that the changes of a return to his previous behavior are acceptably low. With respect to the individual’s falsifications, the Hearing Officer did not find the testimonial evidence to be credible. She was not convinced that the individual did not “deliberately” omit information from his security forms.