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ISCR Case 22-00148 — CASE

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ISCR Case 22-00148

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

Case Profile
Decision Date7/26/2022
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Noreen A. Lynch
Government Counsel: Alison P. O'Connell
Case Summary
The applicant in this case was a 31-year-old individual who had served in the U.S. Air Force from February 2012 to May 2018 and held a security clearance since 2011. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Adjudicative Guideline F (financial considerations), alleging that the applicant had six delinquent debts totaling over $26,000. The applicant admitted to all allegations in the SOR, attributing his financial issues to immaturity, irresponsibility, and an unexpected discharge from the military.
The administrative judge found that the applicant had not sufficiently mitigated the financial concerns. Although he resolved one debt in 2022 and claimed to have matured since his financial troubles began, he failed to provide adequate documentation to support his assertions regarding the other debts. The judge noted that the applicant had not sought financial counseling and had not prioritized resolving his delinquent debts, despite being gainfully employed and having a significant amount in his retirement account. Ultimately, the judge ruled that the applicant did not demonstrate a good-faith effort to manage his financial obligations, leading to the denial of his eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 22-00148

deniedJul 26, 2022· Hon. Noreen A. Lynch· hearing

Summary

A 31-year-old former U.S. Air Force member was denied a security clearance under Guideline F (Financial Considerations) due to unresolved delinquent debts exceeding $26,000. The Statement of Reasons detailed several financial issues, including a collection account of approximately $11,466, which the applicant considered disputing due to water damage. Additionally, there were multiple charged-off accounts totaling $13,915 with the same creditors, an $801 charged-off account, and a $351 collection account from college, all of which the applicant acknowledged as still delinquent.

The applicant admitted to these multiple delinquent debts but failed to provide sufficient evidence of a comprehensive plan to address them. While he acknowledged his financial irresponsibility and offered some evidence of debt resolution, it was deemed inadequate.

The judge determined that the applicant's financial irresponsibility raised significant concerns about his reliability and trustworthiness, leading to the denial of his security clearance. Disqualifying conditions under Adjudicative Guidelines Paragraphs 19(a) and 19(c) were cited.

Why the Applicant Was Denied

The applicant admitted to multiple delinquent debts totaling over $26,000.
He failed to provide sufficient evidence of a plan to address these debts.
The judge found that the applicant's financial irresponsibility raised significant questions about his reliability and trustworthiness.

Conditions Referenced

Disqualifying

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

Procedural Posture

SOR issuedFeb 17, 2022
Answer filed—Applicant elected to have his case decided on the written record.
Hearing held—Decision made based on documentary evidence.
Decision dateJul 26, 2022

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Demonstrating a Good-faith Effort to Resolve Debts
Impact of Financial Irresponsibility on Reliability and Trustworthiness Assessments

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 multiple financial concerns under Guideline F, with the applicant admitting to several delinquent debts totaling over $26,000. While one debt was resolved, the majority of the debts remained unpaid, leading to a decision against the applicant's eligibility for a security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	A collection account in the approximate amount of $11,466, he considered disputing the account because it was caused by water damage to his apartment. $11,466	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Charged-off accounts to the same creditors for a total of $13,915, in Applicant’s answer he stated that they were still delinquent. $13,915	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Other
1.c	Charged-off accounts to the same creditors for a total of $13,915, in Applicant’s answer he stated that they were still delinquent. $13,915	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Other
1.d	Charged-off accounts to the same creditors for a total of $13,915, in Applicant’s answer he stated that they were still delinquent. $13,915	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Other
1.e	A charged-off account in the amount of $801, Applicant acknowledged that the account was still delinquent. $801	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.f	A collection account in the amount of $351, Applicant stated that the account was delinquent and it was for a debt from college. $351	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Other

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.