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ISCR Case 22-00918 — CASE

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ISCR Case 22-00918

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

Case Profile
Decision Date12/20/2023
Statusdenied
LevelHEARING
TypeADP POSITION
Participants
Applicant Representation: Pro Se
Judge: Robert E. Coacher
Government Counsel: Cynthia Ruckno
Case Summary
The applicant in this case was a 36-year-old employee of a federal contractor who sought a public trust position. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing trustworthiness concerns under Guideline F, specifically related to financial considerations. The SOR alleged that the applicant had accumulated 11 delinquent debts totaling approximately $38,000, which included student loans, car-repossession deficiencies, medical debts, and credit card debts.
During the proceedings, the applicant admitted to the allegations in the SOR but provided explanations for her financial situation. She cited financial illiteracy and personal hardships, including family issues, as contributing factors to her debt accumulation. Although she claimed to have applied for student loan forgiveness, she did not provide documentation to support this assertion. The applicant indicated plans to work with a credit repair agent and to use her remaining monthly budget to address her debts, but she had not yet taken concrete steps to resolve her financial issues.
The administrative judge ruled against the applicant, denying her eligibility for access to sensitive information. The judge found that the applicant's financial difficulties were recent and significant, raising concerns about her reliability and judgment. The judge noted that while some circumstances were beyond the applicant's control, she had not demonstrated responsible action in addressing her debts, and none of the mitigating conditions fully applied. The decision emphasized the importance of financial responsibility in maintaining trustworthiness for access to sensitive information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 22-00918

deniedDec 20, 2023· Hon. Robert E. Coacher· hearing

Summary

This DOHA security clearance decision involved a 36-year-old federal contractor whose eligibility was denied under Guideline F, Financial Considerations. The Statement of Reasons alleged the applicant accumulated 11 delinquent debts totaling approximately $38,000, raising concerns about her trustworthiness and reliability.

Specifically, the applicant failed to make payments on the majority of these debts. While some explanations were offered regarding her financial situation, she did not provide sufficient documentation to support claims of student loan forgiveness, which was a key factor in the decision.

Ultimately, the applicant did not demonstrate responsible action towards addressing her financial obligations. Due to the unresolved delinquent debts and the lack of supporting evidence for her claims, the applicant was denied eligibility for access to sensitive information.

Why the Applicant Was Denied

The applicant accumulated 11 delinquent debts totaling approximately $38,000.
She failed to make payments on the majority of her debts, raising concerns about her reliability and trustworthiness.
The applicant did not provide documentation to support claims of student loan forgiveness.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
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 issuedJul 22, 2022
Answer filedAug 3, 2022
Hearing heldOct 3, 2023via video teleconferencing
Decision dateDec 20, 2023

Cite For

Trustworthiness Concerns Under Guideline F Due to Financial Issues
Failure to Demonstrate Responsible Action Towards Addressing Debts
Impact of Financial Distress on Eligibility for Access to Sensitive Information

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 accumulated 11 delinquent debts totaling approximately $38,000, which raised significant financial concerns under Guideline F. Despite the applicant's admissions and claims of financial illiteracy and personal hardships, the judge ruled against the applicant, determining that the financial issues were not sufficiently mitigated.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant accumulated 11 delinquent debts totaling approximately $38,000. $38,000	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	Claimed Financial Counseling 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.