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ISCR Case 21-00192 — CASE

Case record

ISCR Case 21-00192

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

Case Profile
Decision Date11/13/2023
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Darlene Lokey Anderson
Government Counsel: Andrew H. Henderson
Case Summary
The applicant in this case was a 33-year-old Principal Logistics Management Analyst seeking a security clearance. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing security concerns under Guideline F, Financial Considerations, due to the applicant's significant debts totaling approximately $38,000 owed to seven creditors. The allegations suggested that the applicant's financial decisions indicated poor self-control and raised questions about his reliability and trustworthiness.
During the proceedings, the applicant admitted to having delinquent debts but asserted that he was actively working to resolve them. He provided evidence of regular payments made towards several debts and claimed to have settled others. The applicant explained that his financial difficulties stemmed from excessive spending during his marriage and that he had since adopted a budget to manage his finances more responsibly. He also noted that he was no longer the sole financial provider in his household, as he now shares expenses with his girlfriend, who also holds a security clearance.
The administrative judge ruled in favor of the applicant, concluding that he had taken significant steps to address his financial issues and demonstrated a commitment to living within his means. The judge found that the applicant's current financial situation, including a stable income and shared financial responsibilities, mitigated the concerns raised in the SOR. The decision emphasized the importance of the applicant's proactive measures in managing his finances and the overall assessment of his reliability and trustworthiness.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 21-00192

grantedNov 13, 2023· Hon. Darlene Lokey Anderson· hearing

Summary

A 33-year-old Principal Logistics Management Analyst was granted a security clearance despite initial concerns under Guideline F (Financial Considerations). The Statement of Reasons detailed seven delinquent debts, including accounts placed for collection and charged-off accounts, totaling approximately $38,000. These allegations raised disqualifying conditions related to financial irresponsibility and an unwillingness to meet financial obligations.

However, the applicant demonstrated significant mitigating factors. The financial issues were largely attributed to circumstances beyond the applicant's control, specifically a divorce. Crucially, the applicant showed a strong commitment to resolving these debts by making regular payments and establishing a budget to live within their means.

The decision to grant the clearance was based on the applicant's demonstrated financial responsibility and proactive steps taken to achieve financial stability. The mitigating conditions applied recognized the applicant's good-faith efforts to resolve the debts and the external factors contributing to the financial difficulties.

Why the Applicant Prevailed

The applicant made regular payments to resolve delinquent debts and demonstrated financial responsibility.
The applicant's financial issues were largely due to circumstances beyond his control, including a divorce.
The applicant established a budget and is living within his means, showing a commitment to financial stability.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(a)appliedBehavior Happened Long Ago or Infrequently
AG ¶ 20(b)appliedConditions Largely Beyond the Person's Control
AG ¶ 20(d)appliedGood Faith Effort to Repay Overdue Creditors

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

SOR issuedJun 30, 2023
Answer filedJul 23, 2023
Hearing heldOct 3, 2023
Decision dateNov 13, 2023

Cite For

Mitigation of Financial Issues Under Guideline F
Demonstrating Financial Responsibility Post-divorce
The Importance of Living Within One's Means for Security Clearance Eligibility

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: granted

The judge found that the applicant had addressed all delinquent debts and was living within his means, having set up a financial budget. The applicant's efforts to resolve the debts were recognized, leading to a decision in favor of the applicant on all allegations under Guideline F.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant was indebted to a creditor for an account placed for collection in the approximate amount of $12,969. $12,969	For Applicant	Unspecified Financial	Denied	—	—	Claimed Payment Plan with Creditor
1.b	Applicant is indebted to a creditor for an account that has been charged off in the approximate amount of $8,874. $8,874	For Applicant	Unspecified Financial	Denied	—	—	Documented Debt Paid in Full
1.c	Applicant was indebted to a creditor for an account that has been charged off in the approximate amount of $5,590. $5,590	For Applicant	Unspecified Financial	Denied	—	—	Claimed Payment Plan with Creditor
1.d	Applicant is indebted to a creditor for an account that has been charged off in the approximate amount of $2,956. $2,956	For Applicant	Unspecified Financial	Denied	—	—	Documented Debt Paid in Full
1.e	Applicant was indebted to a creditor for an account that has been charged off in the approximate amount of $2,323. $2,323	For Applicant	Unspecified Financial	Denied	—	—	Claimed Payment Plan with Creditor
1.f	Applicant was indebted to a creditor for an account that has been charged off in the approximate amount of $335. $335	For Applicant	Unspecified Financial	Denied	—	—	Documented Debt Paid in Full
1.g	Applicant was indebted to a creditor for an account that has been charged off in the approximate amount of $5,371. $5,371	For Applicant	Unspecified Financial	Denied	—	—	Claimed Payment Plan with Creditor

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.