CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 21-01385 — CASE

Case record

ISCR Case 21-01385

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

Case Profile
Decision Date11/30/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Juan J. Rivera
Government Counsel: Daniel P. O'Reilley
Case Summary
The applicant in this case was a 29-year-old former Army sergeant who sought a security clearance after previously being granted eligibility in 2012. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F (financial considerations), specifically alleging 12 delinquent accounts totaling approximately $43,000. The applicant admitted to some debts but denied others, claiming he was working to resolve his financial issues.
During the hearing, the applicant testified about his financial situation, attributing his debts to youthful irresponsibility and a lack of financial management skills. He indicated that he had begun contacting creditors and sought assistance from a debt relief company, but he failed to provide documentary evidence of any payments or agreements made to resolve his debts. The administrative judge found that the applicant did not demonstrate sufficient evidence to mitigate the financial concerns, noting that he had not taken meaningful action to address his delinquent accounts since the issuance of the SOR.
Ultimately, the administrative judge ruled against the applicant, denying his eligibility for access to classified information. The judge concluded that the applicant's financial irresponsibility raised significant questions about his reliability and trustworthiness, which were not sufficiently addressed through his testimony or the evidence presented.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
Finding similar decisions…

Case Headnote

ISCR Case No. 21-01385

deniedNov 30, 2022· Hon. Juan J. Rivera· hearing

Summary

A 29-year-old applicant was denied a security clearance under Guideline F (Financial Considerations) due to a history of significant financial issues. The Statement of Reasons detailed 12 delinquent accounts totaling approximately $43,000. The applicant admitted to having debt problems, including defaulting on a loan taken out in 2017.

Despite a combined annual income of $200,000, the applicant had not resolved these delinquent debts and failed to provide evidence of financial counseling or other efforts to address the issues. The judge noted that the financial problems were recent and ongoing, raising concerns about the applicant's reliability and trustworthiness.

Ultimately, the judge found insufficient evidence of mitigation for the financial concerns. The applicant's failure to meet financial obligations and demonstrate responsible financial behavior led to the determination that granting a security clearance was not consistent with the national interest.

Why the Applicant Was Denied

The applicant had 12 delinquent accounts totaling approximately $43,000, indicating a failure to meet financial obligations.
He did not provide sufficient evidence of efforts to resolve his debts or demonstrate responsible financial behavior.
The applicant's financial issues were recent and ongoing, raising serious doubts about his reliability and trustworthiness.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for access to classified information may be granted "only upon a finding that it is clearly consistent with the national interest to do so."”
— Exec. Or. 10865, Safeguarding Classified Information within Industry § 2 (Feb. 20, 1960), as amended.

Procedural Posture

SOR issuedJul 26, 2021
Answer filedAug 10, 2021
Hearing heldJun 17, 2022rescheduled due to applicant's injury
Decision dateNov 30, 2022

Cite For

Failure to Demonstrate Responsible Financial Behavior Under Guideline F
Insufficient Evidence of Mitigation in Financial Issues
Serious Doubts About Reliability and Trustworthiness Due to Financial Delinquency

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 that the applicant had 12 delinquent accounts totaling about $43,000, which he failed to resolve despite a significant income. The applicant's financial issues were deemed recent and ongoing, leading to a denial of his security clearance due to unmitigated concerns regarding his reliability and trustworthiness.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has 12 delinquent accounts totaling about $43,000. $43,000	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Applicant admitted to having issues with debts and defaulting on a loan taken out in 2017.	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	Applicant has not resolved his delinquent debts despite having a combined income of $200,000. $200,000	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.d	Applicant failed to provide evidence of financial counseling or efforts to resolve debts.	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	Applicant's financial issues are recent and ongoing, raising doubts about his reliability.	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—

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.