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ISCR Case 23-00765 — CASE

Case record

ISCR Case 23-00765

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

Case Profile
Decision Date1/30/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Candace Le'i Garcia
Government Counsel: Patricia M. Lynch-Epps
Case Summary
The applicant in this case was a 50-year-old male, married with an adult child, who served honorably in the U.S. military from January 1992 until his retirement in February 2018. He worked as a senior logistics analyst for a Department of Defense (DOD) contractor and had previously been granted a security clearance. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F (financial considerations) due to three delinquent consumer debts totaling over $32,000.
The applicant admitted to all allegations in the SOR, acknowledging that he had procrastinated in addressing his debts but claimed he intended to settle them. He stated that one debt was no longer delinquent and that he had paid another, but he did not provide documentation to support these claims. Although a recent credit report indicated some debts were current, the applicant failed to demonstrate that he had resolved the significant charged-off credit card debt. The administrative judge found that the applicant's financial issues raised concerns about his reliability and trustworthiness, as he had not taken sufficient steps to mitigate these concerns.
Ultimately, the administrative judge ruled against the applicant, concluding that he did not mitigate the financial considerations security concerns. The judge emphasized that the applicant's ongoing financial problems continued to cast doubt on his current reliability and judgment, leading to the denial of his eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- 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.
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Case Headnote

ISCR Case No. 23-00765

deniedJan 30, 2024· Hon. Candace Le'i Garcia· hearing

Summary

A 50-year-old military retiree was denied a security clearance under Guideline F, Financial Considerations, due to unresolved financial issues. The Statement of Reasons cited a charged-off credit card debt of $31,539 and a store credit card debt of $364. Additionally, a $970 credit card debt was noted as having been in collection, though it was no longer delinquent.

The denial was based on the applicant's failure to provide documentation supporting claims of debt resolution. The judge concluded that the applicant did not mitigate the financial concerns, noting a history of not paying debts despite having the financial means to do so.

These ongoing financial problems raised doubts about the applicant's reliability and judgment, leading to the denial of eligibility for access to classified information.

Why the Applicant Was Denied

The applicant did not provide documentation to support claims of debt resolution.
The applicant has a history of not paying debts despite having the financial means to do so.
Ongoing financial problems continue to cast doubt on the applicant's reliability and judgment.

Conditions Referenced

Disqualifying

AG ¶ 19(b)appliedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations

Procedural Posture

SOR issuedApr 10, 2023
Answer filedJun 16, 2023Applicant elected to have the case decided on the written record.
Hearing held—Decision made based on written record.
Decision dateJan 30, 2024

Cite For

Failure to Provide Documentation Supporting Claims of Debt Resolution
History of Not Meeting Financial Obligations Under Guideline F
Impact of Financial Issues on Reliability and Trustworthiness

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 that the applicant had significant financial concerns, including a charged-off credit card debt of $31,539 and a store credit card in collection for $364, both of which were ruled against the applicant. However, the applicant was found to have resolved a credit card debt of $970, which was no longer delinquent, leading to a mixed outcome in the financial allegations.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a charged-off credit card debt of $31,539. $31,539	Against Applicant	Credit Card Debt	Admitted	(b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	—
1.b	Applicant has a credit card in collection for $970, which is no longer delinquent. $970	For Applicant	Credit Card Debt	Admitted	—	—	—
1.c	Applicant has a store credit card in collection for $364. $364	Against Applicant	Credit Card Debt	Admitted	(b) unwillingness to satisfy debts regardless of ability (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.