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ISCR Case 23-01134 — CASE

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ISCR Case 23-01134

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

Case Profile
Decision Date1/10/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert Robinson Gales
Government Counsel: Tara R. Karoian
Case Summary
The applicant in this case was a 42-year-old prospective employee of a defense contractor who applied for a security clearance in December 2020. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing security concerns under Guideline F (financial considerations), primarily due to the applicant's significant delinquent debts totaling approximately $105,669. The SOR indicated that the applicant had failed to demonstrate that granting him a security clearance would be consistent with the national interest.
In his response to the SOR, the applicant admitted to the allegations but claimed that many of the debts were incurred while financially supporting his terminally ill father, who passed away in March 2023. He argued that he had engaged a credit repair company to address his debts and anticipated being able to pay them off within a year if granted the clearance. However, he did not provide sufficient documentation to support his claims or clarify his financial situation, including the basis for disputing certain debts.
The administrative judge ruled against the applicant, concluding that he had not adequately mitigated the financial concerns. The judge noted the lack of clear evidence of financial counseling or a structured plan to resolve the debts, despite the applicant's assertions of future income potential. Consequently, the judge denied the applicant's eligibility for a security clearance, emphasizing the importance of financial responsibility in determining trustworthiness for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 23-01134

deniedJan 10, 2024· Hon. Robert Robinson Gales· hearing

Summary

A 42-year-old prospective defense contractor employee was denied a security clearance under Guideline F (Financial Considerations) due to significant unresolved financial issues. The Statement of Reasons detailed five delinquent accounts, totaling approximately $105,669, which had been placed for collection and charged off.

These accounts included three bank credit cards, one savings bank credit card, and one savings bank installment account. Specific allegations noted unpaid balances of $28,966, $26,416, and $15,735 on bank credit cards held in the applicant's and his father's names. Additionally, a savings bank credit card had an $17,811 unpaid balance, and a savings bank installment account had a $16,741 unpaid balance.

Despite partial admissions regarding these debts, the applicant did not present sufficient evidence of efforts to resolve these financial obligations. Consequently, the judge determined that the applicant did not meet the necessary standards for trustworthiness and reliability, leading to the denial of the security clearance.

Why the Applicant Was Denied

The applicant had multiple delinquent accounts totaling approximately $105,669.
The applicant failed to provide sufficient evidence of efforts to resolve financial obligations.

Conditions Referenced

Disqualifying

AG ¶ 19raisedFinancial Considerations

Procedural Posture

SOR issuedJun 9, 2023
Answer filedSep 13, 2023Applicant submitted a statement and an employment document.
Hearing heldJan 10, 2024Decision date.
Record closedOct 13, 2023

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues
Importance of Demonstrating Efforts to Resolve Financial Obligations
Impact of Financial Considerations on Trustworthiness and Reliability Standards

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 five delinquent accounts totaling approximately $105,669. The applicant admitted to the debts but failed to demonstrate sufficient action to resolve them, leading to a denial of his security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a bank credit-card account in his name/his father’s name with an unpaid balance of $28,966 that was placed for collection and charged off. $28,966	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	—	Claimed Other
1.b	Applicant has a bank credit-card account in his name/his father’s name with an unpaid balance of $26,416 that was placed for collection and charged off. $26,416	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	—	Claimed Other
1.c	Applicant has a savings bank credit-card account with an unpaid balance of $17,811 that was placed for collection and charged off. $17,811	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	—	Claimed Other
1.d	Applicant has a savings bank installment account with an unpaid balance of $16,741 that was placed for collection and charged off. $16,741	Against Applicant	Personal Loan Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	—	Claimed Other
1.e	Applicant has a bank credit-card account in his name/his father’s name with an unpaid balance of $15,735 that was placed for collection and charged off. $15,735	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability	—	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.