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ISCR Case 23-01232 — CASE

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ISCR Case 23-01232

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

Case Profile
Decision Date7/9/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Candace Le'i Garcia
Government Counsel: Erin P. Thompson
Case Summary
The applicant in this case was a 70-year-old individual who sought a security clearance but faced allegations under Guideline F (financial considerations) due to three delinquent consumer debts totaling $54,052. The Statement of Reasons (SOR) outlined these debts, which included a charged-off auto loan, a loan in collection, and a charged-off personal loan. The applicant admitted to one of the debts and denied the others, asserting that he had settled them, but did not provide supporting documentation.
The administrative judge found that the applicant had a history of not meeting financial obligations, which raised security concerns. Although the applicant attributed his financial difficulties to minimal income since 2008, he reported an increase in income since 2021. However, he failed to demonstrate that he had taken reasonable steps to resolve his debts or sought financial counseling. The judge noted that simply waiting for debts to drop off a credit report was not sufficient evidence of resolution.
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 issues continued to cast doubt on his reliability and trustworthiness, leading to the denial of his eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 23-01232

deniedJul 9, 2024· Hon. Candace Le'i Garcia· hearing

Summary

A 70-year-old male applicant was denied a security clearance under Guideline F (Financial Considerations) due to unresolved debts totaling $54,052. The Statement of Reasons detailed three specific allegations: a charged-off auto loan of $18,048, a loan in collection for $3,405, and a charged-off personal loan of $32,599. These issues raised disqualifying conditions under Adjudicative Guidelines ¶ 19(a) and ¶ 19(c).

The applicant admitted to one of the three alleged delinquent debts. While he claimed to have resolved the outstanding financial obligations, he failed to provide any corroborating documentation to support these claims.

Consequently, the applicant's financial problems were deemed insufficiently mitigated. This lack of resolution and supporting evidence led to concerns about his reliability and trustworthiness, resulting in the denial of his security clearance.

Why the Applicant Was Denied

The applicant admitted to one of three allegations of delinquent debt totaling $54,052.
The applicant did not provide documentation to support claims of debt resolution.
The applicant's financial problems were deemed insufficiently mitigated, raising doubts about his reliability.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations

Key Rule Quoted

“Any doubt concerning personnel being considered for access to classified information will be resolved in favor of the national security.”

Procedural Posture

SOR issuedAug 1, 2023
Answer filedAug 22, 2023Applicant elected to have the case decided on the written record.
Hearing held—Case assigned to judge on June 6, 2024.
Decision dateJul 9, 2024

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues
Importance of Corroborating Documentation for Debt Resolution Claims
Application of AG ¶ 19 Disqualifying Conditions in Financial Cases

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 against the applicant on all financial allegations under Guideline F, citing a history of delinquent debts totaling $54,052, including a charged-off auto loan, a loan in collection, and a charged-off personal loan. The applicant's claims of resolution and financial improvement were not sufficiently documented to mitigate the security concerns raised by these debts.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a charged-off auto loan of $18,048. $18,048	Against Applicant	Auto Loan Debt	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Applicant has a loan in collection for $3,405. $3,405	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	Applicant has a charged-off personal loan of $32,599. $32,599	Against Applicant	Personal Loan Debt	Denied	(a) inability to satisfy debts (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.