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A decided public DOHA case, shown for research, not advice or a prediction.

ISCR Case No. 06-20062.a1

Appeal Board

Decided Jul 15, 2008 · Administrative Judge Jean E. Smallin · Appeal

Case headnote

Summary

The applicant, representing herself, sought a security clearance under Guideline F due to financial considerations. Despite admitting to most debts and citing timely payments and credit counseling, the appeal board found insufficient evidence of good faith in resolving her debts, resulting in a denial of her clearance.

Why the applicant was denied

  • The applicant admitted to most of her debts, establishing the government's case.
  • The applicant failed to demonstrate good faith in resolving her financial issues, as she was not making payments on past-due debts.
  • The applicant's reliance on credit counseling advice was deemed insufficient to mitigate security concerns.

Conditions referenced

Disqualifying

  • F.3 Inability or unwillingness to satisfy debtsraised

Mitigating

  • F.2 The conditions that resulted in the financial difficulties were largely beyond the person's controlrejected
  • F.3 The individual has made a good faith effort to repay overdue creditors or has otherwise resolved debtsrejected

Key rule quoted

Procedural posture

SOR issued
2007-08-22
Answer filed
Applicant represented herself.
Hearing held
Decision made on the written record.
Decision date
2008-07-15

Cite for

  • Insufficient Evidence of Good Faith in Resolving Debts Under Guideline F
  • Rejection of Mitigating Conditions Related to Financial Difficulties
  • Irrelevance of Applicant's Expertise to Security Clearance Eligibility

Editorial summary generated for research. Not legal advice; not a prediction. Verify against the full decision before relying on any quoted language.

Appeal at a glance

The appeal involved an applicant seeking a security clearance who was denied due to financial considerations under Guideline F. The applicant argued that the Judge's decision was arbitrary and that her financial situation was mitigated. The Board affirmed the Judge's decision, finding no harmful error that would change the outcome.

Descriptive structured reading of this decided, public Appeal Board decision: what the case says, not a prediction or advice.

Full decision

Open original PDF

The complete official text, footnotes and signatures included, is in the original PDF.

Decision text, by section

Synopsis

KEYWORD: Guideline F DIGEST: The value of an applicant expertise to a defense contractor or military service is not relevant or material to determining the applicant’s eligibility for a security clearance. Adverse decision affirmed. CASENO: 06-20062.a1 DATE: 07/15/2008 DATE: July 15, 2008 In Re: ---------- Applicant for Security Clearance ) ) ) ) ) ) ) ) ISCR Case No. 06-20062

Appearances

FOR GOVERNMENT James B. Norman, Esq., Chief Department Counsel FOR APPLICANT Pro Se The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security clearance. On August 22, 2007, DOHA issued a statement of reasons (SOR) advising Applicant of The Board may not consider new evidence. Directive ¶ E3.1.29. Therefore, information not already in the record, including changes in account balances due to the passage of time, may not be taken into consideration. the basis for that decision—security concerns raised under Guideline F (Financial Considerations) of Department of Defense Directive 5220.6 (Jan. 2, 1992), as amended (Directive). Applicant requested the case be decided on the written record. On April 7, 2008, after considering the record, Administrative Judge Noreen A. Lynch denied Applicant’s request for a security clearance. Applicant timely appealed pursuant to the Directive ¶¶ E3.1.28 and E3.1.30. Applicant raises the following issue on appeal: whether the Judge’s decision is arbitrary, capricious, or contrary to law. Applicant argues that the Judge should have found her financial situation to be mitigated. Applicant identifies a number of statements in the Judge’s decision which she considers to be error. Applicant also points out her abilities and contributions to the defense of the United States. She requests in the alternative that she be granted “approval with [a] warning that future incidents of a similar nature may result in revocation of access.” Applicant’s Brief at 3, quoting Directive ¶ E2.2(f). In her response to the government’s SOR, Applicant admitted all but four of the alleged debts. Her admissions established the government’s case. The burden then shifted to Applicant to rebut, explain, extenuate, or mitigate the facts she admitted. The ultimate burden of persuasion to obtain a favorable security clearance decision rested with Applicant. See Directive ¶ E3.1.15. In her responses, Applicant provided information about the origin of her financial difficulties. She stated that she was paying her current obligations in a timely manner, but (with the exception of one debt not listed in the SOR) was not making payments on her past-due debts and intended to allow them to drop from her credit report with the passage of time. At that time, she also noted some attempts to improve her financial situation, including consultation with a credit counselor, who advised her to allow the old debts to drop off, as noted above, as a strategy to raise her credit score. In her decision, the Judge referred to the information Applicant provided. The Judge concluded that Applicant’s financial situation was not mitigated because of “insufficient information to establish that Applicant showed good faith in the resolution of her debt.” Decision at 6. Applicant contends that the Judge did not give sufficient weight to Applicant’s mitigating evidence. As the trier of fact, the Judge has to weigh the evidence as a whole and decide whether the favorable evidence outweighs the unfavorable evidence, or vice versa. An applicant’s disagreement with the Judge’s weighing of the evidence, or an ability to argue for a different interpretation of the evidence, is not sufficient to demonstrate the Judge weighed the evidence or reached conclusions in a manner that is arbitrary, capricious, or contrary to law. See, e.g., ISCR Case No. 07-00553 at 2 (May 23, 2008). In her appeal brief, Applicant identifies a number of statements in the Judge’s decision which she considers to be errors. Applicant is correct that the Judge erred in stating that Applicant made As regards the obtaining of a security clearance, Applicant’s reliance on the advice of her credit counselor is misguided. A Judge is not bound to accept such advice as relevant to Applicant’s eligibility for a security clearance, since a strategy to raise a credit score does not necessarily satisfy the government’s security concerns. payments on a particular debt (not listed in the SOR) only until July 2004. Decision at 2. Applicant told an investigator that she made payments only until July 2004 on a related but separate debt (SOR ¶ 1.m). The identified error is harmless in light of Applicant’s overall financial situation, since it is unlikely that correction of that error would have lead to a different result in Applicant’s case. See, e.g., ISCR Case No. 03-20638 at 3 (App. Bd. Apr. 22, 2005). The other statements cited by Applicant are not in error, since they are reasonable characterizations or are otherwise supported by record evidence.2 Applicant also argues that she has unique abilities and that denial of her security clearance will be detrimental to the government in waging the Global War on Terror. The Board has held that the value of an applicant’s expertise to a defense contractor or military service is not relevant or material to determining the applicant’s eligibility for a security clearance. See, e.g., ISCR Case No. 99-0109 at 6 (App. Bd. Mar. 1, 2000). An applicant’s expertise is not a measure of whether that applicant demonstrates the high degree of judgment, reliability, and trustworthiness that must be reposed in persons entrusted with classified information. Id. In the alternative, Applicant requests that she be granted “approval with a warning that future incidents of a similar nature may result in revocation of her clearance.” Directive ¶ E2.2(f). The Board does not have authority to review cases de novo to consider such a request. Accordingly, because the Judge’s adverse decision is sustainable, the Board need not reach this issue.

Order

The Judge’s decision denying Applicant a security clearance is AFFIRMED.

Signed: Michael D. Hipple Michael D Hipple Administrative Judge Member, Appeal Board Signed: William S. Fields William S. Fields Administrative Judge Member, Appeal Board Signed: Jean E. Smallin Jean E. Smallin Administrative Judge Member, Appeal Board