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ISCR Case 21-00946 — CASE

Case record

ISCR Case 21-00946

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

Case Profile
Decision Date11/3/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: Aubrey M. De Angelis
Case Summary
The applicant in this case was a 72-year-old human resources generalist employed by a federal contractor. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing security concerns under Guideline F, related to financial considerations. The SOR detailed three delinquent credit card accounts totaling approximately $33,243, which the applicant admitted to owing, attributing the debts to financial difficulties stemming from a failed business venture and subsequent job loss.
During the proceedings, the applicant acknowledged the debts but claimed he had attempted to negotiate settlements with the creditor, which were rejected. He explained that he prioritized paying for his stepchildren's college expenses over settling his debts. Despite his current income of approximately $82,000 annually, he had not made any payments toward the delinquent accounts since 2019 and had no evidence of financial counseling. The administrative judge found that the applicant's financial issues were ongoing and that his inaction regarding the debts raised concerns about his reliability and judgment.
Ultimately, the administrative judge ruled against the applicant, denying his eligibility for access to classified information. The judge concluded that the applicant had not sufficiently mitigated the financial considerations that posed a risk to national security, emphasizing that his failure to address the debts and his plan to let them become unenforceable did not demonstrate responsible behavior.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 21-00946

deniedNov 3, 2022· Hon. Robert E. Coacher· hearing

Summary

A 72-year-old federal contractor was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons cited three delinquent credit card accounts totaling approximately $33,243. The applicant had not made any payments on these debts since 2019 and indicated a plan to allow the debts to age off his credit report after seven years.

Disqualifying conditions under Guideline F were raised, specifically concerning a history of not meeting financial obligations, an inability or unwillingness to satisfy debts, and a history of financial problems. The applicant acknowledged the debts but failed to demonstrate responsible financial management or efforts toward resolution.

The denial was based on the continued delinquency of the $33,243 in credit card debts, the absence of evidence for financial counseling or a concrete repayment plan, and the applicant's decision to prioritize other financial obligations over debt repayment. These factors led to the conclusion that the applicant had not mitigated the financial security concerns, resulting in the denial of the security clearance.

Why the Applicant Was Denied

The applicant has three delinquent credit card debts totaling approximately $33,243 that remain unpaid.
The applicant did not provide evidence of financial counseling or a plan to resolve the debts.
The applicant's choice to prioritize other financial obligations over debt repayment raised concerns about his reliability and judgment.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for access to classified information is denied.”

Procedural Posture

SOR issuedMay 20, 2021
Answer filedJun 15, 2021
Hearing heldJul 22, 2022via video teleconferencing
Decision dateNov 3, 2022

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Demonstrate Responsible Financial Management
Lack of Evidence for Mitigating Financial Conditions

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

Standardized Decision Profile

SEAD-4 Guideline F · descriptive summary of a decided case

Posture: HearingDecided: denied

The judge found against the applicant on all financial allegations under Guideline F, citing three delinquent credit card accounts totaling approximately $33,243. The applicant's failure to make payments since 2019 and his plan to let the debts fall off his credit report were significant factors in the decision.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has three delinquent accounts totaling approximately $33,243. $13,380	Against Applicant	Credit Card Debt	Unknown	(a) inability to satisfy debts	—	—
1.b	Applicant has not made any payments towards the debts since 2019. $11,708	Against Applicant	Unspecified Financial	Unknown	(a) inability to satisfy debts	—	—
1.c	Applicant's plan is to let the debts fall off his credit report after seven years. $8,155	Against Applicant	Unspecified Financial	Unknown	(a) inability to satisfy debts	—	—

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

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