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ISCR Case 23-01330 — CASE

Case record

ISCR Case 23-01330

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

Case Profile
Decision Date5/29/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Roger C. Wesley
Government Counsel: Alison P. O'Connell
Case Summary
The applicant in this case was a 28-year-old employee of a defense contractor seeking a security clearance. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing financial considerations as the primary concern, specifically alleging that the applicant had accumulated seven delinquent consumer debts exceeding $60,000. The SOR indicated that these debts remained unresolved and outstanding, raising questions about the applicant's reliability and trustworthiness.
During the proceedings, the applicant admitted to all the debts listed in the SOR but did not provide any explanations or clarifications regarding their status. He attributed his financial difficulties to his divorce and periods of unemployment but failed to demonstrate any efforts to address the debts, such as establishing payment plans or seeking financial counseling. Although he had engaged a credit repair firm, he did not provide documentation of any successful disputes regarding the debts in question.
The administrative judge ruled against the applicant, concluding that he did not mitigate the financial concerns raised by the government. The judge found that the applicant's failure to resolve his debts and lack of a clear plan to address them indicated a continued risk to national security. Consequently, the applicant's eligibility for access to classified information was denied.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 23-01330

deniedMay 29, 2024· Hon. Roger C. Wesley· hearing

Summary

A 28-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to significant unresolved financial issues. The Statement of Reasons alleged the applicant accumulated seven delinquent consumer debts exceeding $60,000.

The judge identified disqualifying conditions 19(a) and 19(c), noting the applicant's failure to demonstrate responsible financial management. While mitigating conditions 20(b), 20(d), and 20(e) were considered, they were not sufficient to overcome the security concerns.

The denial was based on the fact that the seven delinquent debts, totaling over $60,000, remained unresolved. The applicant also failed to provide evidence of any payment plans or participation in financial counseling, leading to significant concerns regarding financial instability and its potential impact on national security.

Why the Applicant Was Denied

The applicant has seven delinquent debts totaling over $60,000 that remain unresolved.
The applicant did not provide evidence of payment plans or financial counseling.
The applicant's financial instability raised significant security concerns.

Conditions Referenced

Disqualifying

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

Mitigating

20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant did not act responsibly under the circumstances.
20(d)rejectedThe Individual Has Initiated a Good-faith Effort to Repay Overdue Creditors or Otherwise Resolve DebtsThe applicant has not demonstrated a meaningful track record of debt repayment.
20(e)rejectedThe Individual Has Received or Is Receiving Counseling for the Financial ProblemThe applicant reported no financial counseling.

Key Rule Quoted

“Eligibility for access to classified information may only be granted 'upon a finding that it is clearly consistent with the national interest to do so.'”
— Exec. Or. 10865

Procedural Posture

SOR issuedJun 30, 2023
Answer filedJul 26, 2023
Hearing heldApr 8, 2024via Microsoft Teams
Decision dateMay 29, 2024

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Demonstrating a Meaningful Track Record of Debt Repayment
Rejection of Mitigating Conditions Due to Lack of Evidence of Responsible Financial Management

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 applicant accumulated seven delinquent consumer debts exceeding $60,000, which he admitted. The judge found that the financial considerations raised security concerns that were not mitigated, resulting in a denial of eligibility for access to classified information.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant allegedly accumulated seven delinquent consumer debts exceeding $60,000. $60,000	Against Applicant	Unspecified Financial	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.