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ISCR Case 20-02436 — CASE

Case record

ISCR Case 20-02436

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

Case Profile
Decision Date3/15/2023
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: David M. White
Government Counsel: Andrea M. Corrales
Case Summary
Applicant in this case was seeking a security clearance and faced allegations under the Financial Considerations guideline (Guideline F). The Statement of Reasons (SOR) outlined concerns regarding her inability to manage her financial obligations, with a total of 22 delinquent debts amounting to $83,892. The applicant admitted to most of the debts but denied a few, claiming she had not received certain bills.
The administrative judge found that the applicant's financial difficulties began after a medical surgery in July 2018, which led to a period of unpaid leave. Despite her claims of having previously managed her finances well, she failed to provide a budget or sufficient explanation for accumulating over $49,000 in delinquent credit card debt in a short time. The judge noted that the applicant did not submit any evidence of efforts to resolve her debts or seek financial counseling, and her admissions indicated a lack of proactive measures to address her financial situation.
Ultimately, the administrative judge ruled against the applicant, concluding that she had not mitigated the security concerns related to her financial issues. The judge emphasized that the applicant's financial distress raised questions about her reliability and trustworthiness, which are critical factors in determining national security eligibility.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 20-02436

deniedMar 15, 2023· Hon. David M. White· hearing

Summary

A 45-year-old security guard was denied a security clearance under Guideline F (Financial Considerations) due to multiple delinquent debts totaling over $54,000. The applicant admitted to these debts and failed to provide evidence of repayment or financial counseling.

While the applicant had a history of timely payments before medical issues arose in 2018, she did not offer a budget or an explanation for accumulating significant debt after a brief period of unpaid leave. Specifically, she provided no evidence to corroborate her claim of repaying a $1,343 debt alleged in the Statement of Reasons.

The judge determined that the applicant failed to mitigate the security concerns related to her financial situation. The denial was based on the ongoing potential for pressure, coercion, or exploitation stemming from her unresolved financial issues.

Why the Applicant Was Denied

The applicant admitted to multiple delinquent debts totaling over $54,000 with no evidence of repayment or financial counseling.
The applicant did not provide a budget or explanation for accumulating significant debt after a short period of unpaid leave.
The judge found ongoing potential for pressure, coercion, or exploitation due to unresolved financial issues.

Conditions Referenced

Disqualifying

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

Key Rule Quoted

“Failure to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified or sensitive information.”

Procedural Posture

SOR issuedFeb 28, 2022
Answer filedApr 27, 2022
Hearing held—Applicant elected to have the case decided without a hearing.
Decision dateMar 15, 2023

Cite For

Failure to Mitigate Financial Concerns Under Guideline F
Impact of Unresolved Debts on National Security Eligibility
Importance of Providing Evidence of Financial Responsibility

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 significant financial concerns under Guideline F, with the applicant incurring multiple delinquent debts totaling over $54,500. Despite admitting to the debts, the applicant failed to provide sufficient evidence of repayment or mitigation, leading to a decision against her.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant failed to mitigate the security concerns raised under the Financial Considerations guideline.	Against Applicant	Unspecified Financial	Unknown	—	—	—
1.j	specific text not stated in this decision	For Applicant	Unspecified Financial	Unknown	—	—	—
1.k	Applicant provided no evidence to corroborate her claim that she repaid the $1,343 debt alleged in SOR 1.k. $1,343	Against Applicant	Personal Loan 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.