CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 22-02626 — CASE

Case record

ISCR Case 22-02626

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

Case Profile
Decision Date3/17/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Robert J. Tuider
Government Counsel: Adrienne M. Driskill
Case Summary
The applicant in this case was a 49-year-old aviation mechanic who required a security clearance for his employment. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing security concerns under Guideline F, specifically related to financial considerations. The SOR detailed 11 delinquent debts totaling $68,259, which raised questions about the applicant's reliability and trustworthiness.
During the proceedings, the applicant admitted to several of the debts listed in the SOR but denied others. He explained that his financial difficulties began after his divorce in 2020, during which he assumed responsibility for marital debts. The applicant indicated that he had attempted to negotiate payment plans with creditors but faced challenges due to his credit status. He reported a monthly net income of approximately $11,000, which left him with a surplus after expenses, but he had not effectively addressed the delinquent debts.
The administrative judge ruled against the applicant, concluding that the financial concerns were not mitigated. The judge noted that the applicant's admissions and explanations did not sufficiently demonstrate a commitment to resolving his financial issues or mitigating the risks associated with his debts. The ruling emphasized the importance of financial responsibility in determining eligibility for access to classified information, ultimately denying the applicant's request for a security clearance.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
Finding similar decisions…

Case Headnote

ISCR Case No. 22-02626

deniedMar 17, 2025· Hon. Robert J. Tuider· hearing

Summary

A 49-year-old Navy veteran and aviation mechanic was denied a security clearance under Guideline F, Financial Considerations, due to multiple unresolved delinquent debts totaling over $68,000. The Statement of Reasons detailed several specific financial obligations, including five separate delinquent debts owed to a credit union, amounting to $21,275, $12,795, $12,550, $4,720, and $2,598 respectively.

Additionally, the applicant had two telecommunications debts placed for collection, one for $401, which the applicant was unaware of, and another for $153, for which the applicant accepted responsibility. A further account for $74 was placed for collection, with the applicant needing to investigate its basis.

Despite some admissions and a few payments, the applicant did not demonstrate a consistent effort to resolve these debts. The judge concluded that the financial considerations security concerns were not mitigated, leading to the denial of the security clearance.

Why the Applicant Was Denied

The applicant had multiple delinquent debts totaling over $68,000.
The applicant failed to demonstrate a consistent effort to resolve these debts.
The judge found that the financial considerations security concerns were not mitigated.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(c)raisedHistory of Not Meeting Financial Obligations

Mitigating

AG ¶ 20(b)rejectedConditions Largely Beyond the Person's ControlThe applicant did not prove that he acted responsibly under the circumstances.
AG ¶ 20(d)rejectedGood-faith Effort to Repay Overdue CreditorsThe applicant did not establish a meaningful financial track record.

Key Rule Quoted

“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”

Procedural Posture

SOR issuedNov 17, 2023
Answer filedDec 12, 2023
Hearing heldMar 1, 2024
Decision dateMar 17, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Demonstrate a Consistent Effort to Resolve Debts
Impact of Financial Distress on Security Clearance Eligibility

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 multiple financial concerns under Guideline F, with several delinquent debts owed primarily to a credit union. The applicant's financial issues were not sufficiently mitigated, leading to a decision against granting security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Delinquent debt owed to credit union for $21,275. $21,275	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Delinquent debt owed to credit union for $12,795. $12,795	For Applicant	Unspecified Financial	Admitted	—	—	—
1.c	Delinquent debt owed to credit union for $12,550. $12,550	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	Delinquent debt owed to credit union for $4,720. $4,720	For Applicant	Unspecified Financial	Admitted	—	—	—
1.g	Delinquent debt owed to credit union for $2,598. $2,598	Against Applicant	Unspecified Financial	Unknown	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.i	Telecommunications debt placed for collection for $401, unaware of this debt. $401	For Applicant	Unspecified Financial	Denied	—	—	—
1.j	Telecommunications debt placed for collection for $153, responsible for this debt. $153	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.k	Account placed for collection for $74, needs to investigate the basis of the debt. $74	Against Applicant	Unspecified Financial	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.