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ISCR Case 24-00026 — CASE

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ISCR Case 24-00026

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

Case Profile
Decision Date3/31/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: LeRoy F. Foreman
Government Counsel: George A. Hawkins
Case Summary
The applicant in this case was a 36-year-old travel coordinator employed by a federal contractor since February 2022. She had previously held a security clearance since February 2019. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing security concerns under Guidelines F (Financial Considerations) and E (Personal Conduct), alleging 20 delinquent debts and failure to disclose these debts on her security clearance application.
During the proceedings, the applicant admitted to all allegations in the SOR, including the additional delinquent debt added by Department Counsel. She provided explanations for some debts, such as a car loan charged off after her vehicle was stolen, and indicated efforts to resolve several debts through settlements. However, she did not provide evidence for multiple debts listed in the SOR. The applicant acknowledged her failure to disclose the debts on her application, attributing it to misunderstanding the questions.
The administrative judge ruled to deny the applicant's security clearance, concluding that the applicant's financial issues raised significant concerns about her reliability and trustworthiness. The judge noted that while some debts were being resolved, the overall pattern of financial irresponsibility and the failure to disclose relevant information undermined her credibility and did not meet the national interest standard for security clearance eligibility.
Guidelines Evaluated
- Guideline EPersonal Conduct · Against Applicant
- 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.
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Case Headnote

ISCR Case No. 24-00026

deniedMar 31, 2025· Hon. LeRoy F. Foreman· hearing

Summary

A 36-year-old travel coordinator was denied a security clearance due to concerns under Guideline F (Financial Considerations) and Guideline E (Personal Conduct). The applicant faced allegations of numerous delinquent debts and falsifying her security clearance application by failing to disclose these financial obligations.

Specific financial issues included a $21,215 charged-off car loan, a $5,884 deficiency after an automobile repossession, and a $7,195 unsatisfied judgment. Other debts ranged from apartment rent ($2,303 and $4,161) and furniture rentals ($1,872 and $1,660) to various credit card accounts, medical bills, and overdraft fees. The applicant admitted to these delinquent debts and the falsification of her application.

Despite some efforts to resolve certain debts, the judge found the applicant's overall financial irresponsibility and lack of candor during the application process to be significant concerns. The applicant provided no persuasive explanation for her negative answers regarding financial delinquencies, leading to the denial of her security clearance.

Why the Applicant Was Denied

The applicant admitted to multiple delinquent debts and falsification of her security clearance application.
The judge found that the applicant's financial irresponsibility raised significant concerns about her reliability and trustworthiness.
The applicant provided no persuasive explanation for her negative answers regarding financial delinquencies.

Conditions Referenced

Disqualifying

AG ¶ 19(a)appliedInability to Satisfy Debts
AG ¶ 19(c)appliedA History of Not Meeting Financial Obligations
AG ¶ 16(a)appliedDeliberate Omission, Concealment, or Falsification of Relevant Facts

Mitigating

AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue Creditors
AG ¶ 20(e)appliedReasonable Basis to Dispute the Legitimacy of Past-due Debt

Key Rule Quoted

“[N]o one has a ‘right’ to a security clearance.”
— Department of the Navy v. Egan, 484 U.S. 518, 528 (1988)

Procedural Posture

SOR issuedJan 22, 2024
Answer filedApr 29, 2024
Hearing heldFeb 21, 2025conducted by video teleconference
Decision dateMar 31, 2025

Cite For

Financial Irresponsibility as a Disqualifying Factor Under Guideline F
Falsification of Security Clearance Application as a Serious Concern Under Guideline E
The Importance of Trustworthiness in Handling Classified Information

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 E (Personal Conduct) · descriptive summary of a decided case

Posture: HearingDecided: denied

The judge found against the applicant on the personal conduct allegation of falsifying her SCA by failing to disclose multiple debts. The applicant admitted to the allegations but claimed a misunderstanding of the questions on the security form. The judge concluded that the applicant's conduct raised concerns about her reliability and trustworthiness, resulting in a denial of clearance.

¶	Allegation	Finding	Conduct	Concealed Issue	Response	Disqualifying (¶16)	Mitigating applied (¶17)	Mitigation
2.a	falsified her SCA by failing to disclose the debts alleged in SOR 1.a through 1.s	Against Applicant	Falsification Security FormNOT DELIBERATE	Financial	Admitted	(a) deliberate omission, concealment, or falsification on a security form (c) credible adverse information across areas supporting a whole-person concern	—	—

Descriptive standardized rendering of a decided public case (Guideline E). The verbatim source decision is shown in full below.

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, including charged-off debts and collections. While some debts were settled or in payment plans, others remained unresolved, leading to a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	car loan charged off for $21,215 $21,215	For Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	apartment rent placed for collection of $2,303 $2,303	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(e) reasonable, documented basis to dispute the debt	Claimed Debt Disputed with Creditor
1.c	furniture rental placed for collection of $1,872 $1,872	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Payment Plan with Creditor
1.d	furniture rental placed for collection of $1,660 $1,660	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Debt Paid in Full
1.e	credit-card account charged off for $597 $597	For Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Debt Paid in Full
1.f	overdraft fee charged off for $179 $179	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Payment Plan with Creditor
1.g	overdraft fee charged off for $118 $118	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Debt Paid in Full
1.h	telecommunications bill for $62 $62	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.i	two medical bills for $59 each $118	Against Applicant	Medical Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.j	credit-card account past due for $367 with a balance of $1,382 $367	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.k	credit-card account past due for $172 with a balance of $788 $172	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.l	credit-card account past due for $187 with a balance of $482 $187	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.m	medical bills for $50 each, placed for collection $100	Against Applicant	Medical Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.n	deficiency after automobile repossession, charged off for $5,884 $5,884	Against Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Debt Paid in Full
1.o	$145 debt to auto insurance company for vehicle alleged in SOR 1.a $145	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Documented Debt Paid in Full
1.p	past-due rent placed for collection of $4,161 $4,161	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Debt Disputed with Creditor
1.q	unsatisfied judgment for $7,195 $7,195	For Applicant	Judgment Against Applicant	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.r–1.t	3 sub-charges — specific text not stated in this decision (for the applicant). (low confidence)	Mixed			—	—	—

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.