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ISCR Case 21-01172 — CASE

Case record

ISCR Case 21-01172

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

Case Profile
Decision Date2/28/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert Robinson Gales
Government Counsel: Brittany C. M. White
Case Summary
The applicant in this case was a 31-year-old employee of a defense contractor who applied for a security clearance in July 2016. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) in June 2021, citing concerns under Guideline F (Financial Considerations). The SOR detailed multiple delinquent financial accounts totaling approximately $39,665, primarily related to student loans and other debts, which raised questions about the applicant's financial responsibility and reliability.
In her response to the SOR, the applicant admitted to most of the allegations regarding her financial issues but provided limited explanations for her circumstances. She attributed her financial difficulties to a lack of experience in managing debts, insufficient income, and prioritizing other bills over her student loans. Despite acknowledging her delinquent accounts, she failed to provide any verifiable documentation to support her claims of being on a repayment plan or to demonstrate that her financial situation had improved. The applicant also did not respond to the government's request for additional financial information.
The administrative judge ruled to deny the applicant's eligibility for a security clearance, concluding that she had not sufficiently mitigated the financial concerns raised in the SOR. The judge noted the absence of evidence indicating that the applicant's financial problems were under control and emphasized the importance of trust and confidence in individuals granted access to classified information. The decision highlighted that the applicant's inconsistent statements and lack of supporting documentation contributed to the determination that granting her a security clearance was not clearly consistent with the national interest.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 21-01172

deniedFeb 28, 2022· Hon. Robert Robinson Gales· hearing

Summary

A 31-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues totaling approximately $39,665. The Statement of Reasons alleged that the applicant failed to mitigate security concerns related to her finances. Specifically, she claimed to have paid off a credit card account with a $332 unpaid balance that had been placed for collection, but this was not sufficiently substantiated.

The denial was based on several disqualifying conditions, including the applicant's nine still-delinquent accounts, which collectively amounted to approximately $39,665. The applicant did not provide verifiable evidence of financial management or efforts to resolve these debts.

Ultimately, the judge concluded that the applicant's financial problems were not under control, leading to the denial of her security clearance eligibility.

Why the Applicant Was Denied

The applicant had nine still-delinquent accounts totaling approximately $39,665.
She failed to provide verifiable evidence of financial management or resolution efforts.
The judge found that her financial problems were not under control.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(c)appliedHistory of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for access to classified information is denied.”

Procedural Posture

SOR issuedJun 9, 2021
Answer filedAug 13, 2021Applicant elected to have her case decided on the written record.
Hearing held—No hearing; decision based on written record.
Decision dateFeb 28, 2022

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Provide Evidence of Financial Management
Ongoing Unpaid Debts as a Security Concern

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: Decision on RecordDecided: denied

The judge found that the applicant had several delinquent accounts totaling approximately $39,665, which raised significant financial concerns under Guideline F. Although the applicant claimed to have paid off a credit card account, the judge ultimately ruled against her on the majority of allegations, concluding that she failed to mitigate the security concerns related to her financial situation.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant failed to mitigate the security concerns regarding financial considerations. $39,665	Against Applicant	Unspecified Financial	Unknown	—	—	—
1.i	Applicant claimed she paid off the bill for a credit-card account with an unpaid balance of $332 that was placed for collection. $332	For Applicant	Credit Card Debt	Admitted	—	—	—

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.