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ISCR Case 24-00704 — CASE

Case record

ISCR Case 24-00704

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

Case Profile
Decision Date11/22/2024
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Darlene Lokey Anderson
Government Counsel: Andrew H. Henderson
Case Summary
The applicant in this case was a 38-year-old single mother of four children, seeking a security clearance for her position as an Expeditor with a defense contractor. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing security concerns under Guideline F, Financial Considerations, due to twelve delinquent debts totaling approximately $59,000, including $10,000 owed in back taxes to the Federal Government. The allegations indicated poor self-control and lack of judgment regarding financial decisions.
During the proceedings, the applicant admitted to the debts outlined in the SOR and provided explanations for some of them, including a history of steady employment and recent medical issues that contributed to her financial difficulties. She indicated her intent to resolve her debts but noted that her current income was insufficient to cover her obligations after regular expenses. The applicant also mentioned undergoing treatment for Major Depressive Disorder, which affected her ability to manage her finances.
The administrative judge ruled against the applicant, concluding that the financial issues raised significant concerns about her reliability and trustworthiness. The judge emphasized the importance of financial responsibility in maintaining national security and found that the applicant's explanations did not sufficiently mitigate the risks associated with her financial situation. The decision highlighted the need for individuals with access to classified information to demonstrate sound judgment and self-control, which the applicant failed to establish in this case.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-00704

deniedNov 22, 2024· Hon. Darlene Lokey Anderson· hearing

Summary

A 38-year-old single mother of four was denied a security clearance under Guideline F (Financial Considerations) due to significant delinquent debts totaling over $59,000. The Statement of Reasons detailed twelve specific allegations, including a charged-off car loan of $19,766, a delinquent personal loan of $8,810, and a delinquent medical account initially $2,166, which grew to $4,433. Other debts included various personal loans, credit card debt, cable and mobile phone bills, car insurance, a jewelry store debt, and a second delinquent car loan of $14,024. Additionally, the applicant owed the Federal Government $10,407.42 in delinquent Federal taxes for tax year 2022.

The denial was based on the applicant's admitted history of not addressing her financial obligations. The judge found insufficient evidence of a good-faith effort to resolve these debts, noting a lack of documentary proof for any payments claimed by the applicant.

Ultimately, the applicant's financial distress raised concerns about her reliability and trustworthiness, leading to the denial of her security clearance.

Why the Applicant Was Denied

The applicant admitted to having over $59,000 in delinquent debts, demonstrating a history of not addressing financial obligations.
The judge found insufficient evidence of a good-faith effort to resolve debts, with no documentary proof of payments made by the applicant.
The applicant's financial distress raised concerns about her reliability and trustworthiness.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability or Unwillingness to Satisfy Debts
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations
AG ¶ 19(f)raisedFailure to File or Fraudulently Filing Annual Federal, State, or Local Income Tax Returns

Key Rule Quoted

“Failure to live within one's means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual's reliability, trustworthiness, and ability to protect classified or sensitive information.”
— AG ¶ 18

Procedural Posture

SOR issuedMay 24, 2024
Answer filedJun 4, 2024
Hearing heldOct 30, 2024rescheduled after applicant failed to appear initially
Decision dateNov 22, 2024

Cite For

Insufficient Evidence of Good-faith Effort to Resolve Debts Under Guideline F
Financial Distress as a Concern for Reliability and Trustworthiness
Disqualifying Conditions Related to Financial Obligations Under AG ¶ 19

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 judge found that the applicant had multiple delinquent debts totaling approximately $59,000, which raised significant financial concerns under Guideline F. Despite the applicant's admissions and some claims of mitigation, the judge ruled against the applicant on all allegations, concluding that the financial issues were inconsistent with the national interest.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant is indebted to a creditor for a delinquent car loan in the amount of $19,766 that was charged off. $19,766	Against Applicant	Auto Loan Debt	Admitted	—	—	Claimed Other
1.b	Applicant is indebted to a creditor for a delinquent personal loan in the amount of $8,810 that was placed for collection. $8,810	Against Applicant	Personal Loan Debt	Admitted	—	—	Claimed Other
1.c	Applicant is indebted to a creditor for a delinquent medical account in the amount of $4,433 that was $2,166 when placed for collection. $4,433	Against Applicant	Medical Debt	Admitted	—	—	Claimed Other
1.d	Applicant is indebted to a creditor for a delinquent personal loan in the amount of $1,188 that was placed for collection. $1,188	Against Applicant	Personal Loan Debt	Admitted	—	—	Claimed Other
1.e	Applicant is indebted to a creditor for a delinquent credit card debt in the amount of $803 that was placed for collection. $803	Against Applicant	Credit Card Debt	Admitted	—	—	Claimed Other
1.f	Applicant is indebted to a creditor for a delinquent cable company debt in the amount of $752 that was placed for collection. $752	Against Applicant	Utility or Phone Debt	Admitted	—	—	Claimed Other
1.g	Applicant is indebted to a creditor for a delinquent T-Mobile bill in the amount of $489 that was placed for collection. $489	Against Applicant	Utility or Phone Debt	Admitted	—	—	Claimed Other
1.h	Applicant is indebted to a creditor for a delinquent car insurance bill in the amount of $236 that was placed for collection. $236	Against Applicant	Utility or Phone Debt	Admitted	—	—	Claimed Other
1.i	Applicant is indebted to a creditor for a delinquent car loan account in the amount of $14,024 that was placed for collection. $14,024	Against Applicant	Auto Loan Debt	Admitted	—	—	Claimed Other
1.j	Applicant is indebted to a creditor for a delinquent debt owed to a jewelry store in the amount of $775 that was placed for collection. $775	Against Applicant	Unspecified Financial	Admitted	—	—	Claimed Other
1.k	Applicant is indebted to a creditor for a delinquent personal loan in the amount of $315 that was placed for collection. $315	Against Applicant	Personal Loan Debt	Admitted	—	—	Claimed Other
1.l	Applicant is indebted to the Federal Government for delinquent Federal taxes in the amount of $10,407.42 for tax year 2022. $10,407	Against Applicant	Tax Unpaid	Admitted	—	—	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.