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ISCR Case 23-01349 — CASE

Case record

ISCR Case 23-01349

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

Case Profile
Decision Date3/4/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Darlene Lokey Anderson
Government Counsel: William H. Miller
Case Summary
Applicant, a 29-year-old Solid State Technician employed by a defense contractor, sought a security clearance but faced allegations under Guideline F, Financial Considerations. The Statement of Reasons (SOR) indicated that she had incurred approximately $24,451 in delinquent debts owed to three creditors, which raised concerns about her reliability and judgment. The applicant admitted to all debts listed in the SOR, which included a charged-off automobile loan, a university debt, and a credit union loan.
In her response to the SOR, the applicant acknowledged her financial difficulties but did not provide any evidence of a debt resolution plan or efforts to address her debts. She claimed that her financial issues stemmed from a back injury that affected her employment, but she did not demonstrate any proactive steps to mitigate her financial situation. The administrative judge noted that the applicant's financial instability and lack of evidence supporting her claims of intent to repay her debts indicated a significant security risk.
Ultimately, the administrative judge ruled against the applicant, concluding that the financial concerns had not been mitigated. The judge emphasized that the applicant failed to provide sufficient evidence of financial stability or a plan to resolve her debts, which led to the determination that granting her security clearance would not be in the national interest.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 23-01349

deniedMar 4, 2024· Hon. Darlene Lokey Anderson· hearing

Summary

A 29-year-old solid state technician was denied a security clearance under Guideline F (Financial Considerations) due to significant delinquent debts totaling approximately $24,451. The Statement of Reasons detailed three specific debts: an automobile loan charged off by a bank for approximately $21,529, a university debt placed for collection in the amount of $2,825, and a federal credit union debt also placed for collection in the amount of $97.

The applicant admitted to incurring these debts but failed to provide any evidence of mitigation or resolution during the clearance process. This lack of action directly contributed to the denial.

The judge concluded that the unresolved financial issues raised serious concerns regarding the applicant's reliability and trustworthiness, leading to the ultimate denial of the security clearance.

Why the Applicant Was Denied

The applicant incurred significant delinquent debts totaling approximately $24,451.
The applicant admitted to the debts but provided no evidence of mitigation or resolution.
The judge found that the financial issues raised serious concerns regarding reliability and trustworthiness.

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)raisedA History of Not Meeting Financial Obligations

Procedural Posture

SOR issuedAug 1, 2023
Answer filedAug 18, 2023
Hearing held—Applicant requested a decision on the written record without a hearing.
Decision dateMar 4, 2024

Cite For

Denial of Security Clearance Due to Significant Delinquent Debts Under Guideline F
Lack of Evidence for Mitigation of Financial Issues
Serious Concerns Regarding Reliability and Trustworthiness Due to Financial Distress

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 applicant incurred delinquent debts totaling approximately $24,451, including an automobile loan charged off for $21,529, a university debt of $2,825, and a credit union debt of $97. The judge found against the applicant on all allegations, concluding that the financial concerns were not mitigated despite the applicant's admission of the debts and intentions to pay them off.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant incurred delinquent debt owed to a bank for an automobile loan charged off in the approximate amount of $21,529. $21,529	Against Applicant	Auto Loan Debt	Admitted	—	—	—
1.b	Applicant incurred a delinquent debt owed to a University placed for collection in the amount of $2,825. $2,825	Against Applicant	Unspecified Financial	Admitted	—	—	Claimed Debt Paid in Full
1.c	Applicant incurred a delinquent debt owed to a Federal Credit Union placed for collections in the amount of $97. $97	Against Applicant	Unspecified Financial	Admitted	—	—	—

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.