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ISCR Case 24-00653 — CASE

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ISCR Case 24-00653

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

Case Profile
Decision Date9/12/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Pamela C. Benson
Government Counsel: Karen A. Moreno-Sayles
Case Summary
The applicant in this case was a 53-year-old individual who applied for a security clearance in connection with a linguist position with a federal contractor. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing security concerns under Guidelines B (foreign influence), D (sexual behavior), E (personal conduct), and F (financial considerations). The applicant denied the allegations related to foreign influence, sexual behavior, and personal conduct but admitted to the financial concerns, including a Chapter 7 bankruptcy filed in November 2024.
Key facts included the applicant's history of financial difficulties attributed to periods of unemployment and reliance on credit cards. He admitted to significant debts totaling approximately $49,450, which were included in his bankruptcy filing. The applicant also provided explanations for his foreign relationships, claiming they were misconstrued and that he had not engaged in prostitution. He asserted that his financial situation had improved post-bankruptcy, with a reported monthly income of about $7,000 against minimal expenses.
The administrative judge ruled against the applicant, concluding that he did not sufficiently mitigate the financial considerations that raised security concerns. The judge noted the applicant's inconsistent statements regarding his relationships and financial history, which undermined his credibility. Ultimately, the judge determined that the applicant's financial issues posed a potential risk to national security, leading to the denial of his security clearance.
Guidelines Evaluated
- Guideline BForeign Influence · For Applicant
- Guideline DSexual Behavior · For Applicant
- Guideline EPersonal Conduct · For Applicant
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-00653

deniedSep 12, 2025· Hon. Pamela C. Benson· hearing

Summary

This security clearance decision resulted in a denial for the self-represented applicant, primarily due to concerns under Guideline F (Financial Considerations). The Statement of Reasons detailed significant financial issues, including a Chapter 7 bankruptcy filing in August 2013 and another on November 19, 2024, with nonpriority unsecured liabilities totaling approximately $73,300. Additionally, the applicant had delinquent accounts amounting to approximately $49,450, comprising unpaid credit cards and personal loans.

While the applicant refuted allegations under Guideline B (Foreign Influence), Guideline D (Sexual Behavior), and Guideline E (Personal Conduct), the admitted financial difficulties were central to the denial. Specifically, the applicant was alleged to have traveled to foreign countries on numerous occasions to solicit commercial sex or patronize a prostitute.

The decision concluded that the applicant's admitted financial issues, including the two Chapter 7 bankruptcies and substantial delinquent debts, raised significant doubts regarding their reliability and trustworthiness, leading to the denial of their security clearance.

Why the Applicant Was Denied

The applicant admitted to significant financial issues, including a Chapter 7 bankruptcy filing and substantial delinquent debts.
The financial concerns raised questions about the applicant's reliability and trustworthiness.

Conditions Referenced

Disqualifying

AG ¶ 20raisedFinancial Considerations

Procedural Posture

Decision DateSep 12, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Impact of Financial Instability on Reliability and Trustworthiness
Applicant's Burden to Mitigate Financial Concerns in Security Clearance Cases

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 B (Foreign Influence) · descriptive summary of a decided case

Posture: HearingDecided: denied

The judge found that the applicant refuted the allegation of soliciting commercial sex while traveling to foreign countries due to insufficient evidence. As a result, the security concerns under Guideline B were also refuted, leading to a finding in favor of the applicant on this specific allegation.

¶	Allegation	Finding	Relationship	Country	Response	Disqualifying (¶7)	Mitigating applied (¶8)	Mitigation
1.a	Applicant traveled to foreign countries, on numerous occasions, and solicited commercial sex and/or patronized a prostitute.	For Applicant	Unspecified Foreign Relationship Other	—	Denied	—	—	—

Descriptive standardized rendering of a decided public case (Guideline B). 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 against the applicant on financial considerations under Guideline F, citing a history of financial irresponsibility and ongoing issues. The applicant admitted to significant debts and two Chapter 7 bankruptcy filings, which raised security concerns that were not mitigated.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
4.a	Applicant filed for Chapter 7 bankruptcy in August 2013.	Against Applicant	Bankruptcy Filing	Admitted	—	—	—
4.b	Applicant has delinquent accounts totaling approximately $49,450, which included unpaid credit cards and personal loans. $49,450	Against Applicant	Unspecified Financial	Admitted	—	—	—
4.m	Applicant filed for Chapter 7 bankruptcy on November 19, 2024, with nonpriority unsecured liabilities totaling approximately $73,300. $73,300	Against Applicant	Bankruptcy Filing	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.