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ISCR Case 24-00747 — CASE

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ISCR Case 24-00747

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

Case Profile
Decision Date7/31/2025
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: LeRoy F. Foreman
Government Counsel: Alison P. O'Connell
Case Summary
The applicant in this case was a 37-year-old aviation structural mechanic employed by a defense contractor, who had previously served in the U.S. Navy from April 2018 to June 2023. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) on July 26, 2024, citing security concerns under Guidelines F (Financial Considerations) and E (Personal Conduct). The core allegations included the applicant's failure to satisfy multiple debts, which he claimed were business-related and incurred prior to his military service.
During the hearing, the applicant denied the allegations, asserting that the debts were business debts and that he was unaware of his personal liability as a sole proprietor. He contended that the debts were either resolved or unverifiable due to the statute of limitations. The administrative judge found that while some debts had been resolved, others remained disputed without sufficient evidence to support the applicant's claims. However, the judge noted that the applicant's financial situation had improved significantly, as evidenced by a recent credit report showing no outstanding debts.
Ultimately, the administrative judge ruled in favor of the applicant, granting the security clearance. The decision was based on the applicant's current financial stability, as demonstrated by his income and the absence of unresolved debts in his recent credit reports, which indicated a positive change in his financial circumstances.
Guidelines Evaluated
- Guideline EPersonal Conduct · For Applicant
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 24-00747

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

Summary

A 37-year-old aviation structural mechanic and former U.S. Navy service member was granted a security clearance despite initial concerns under Guideline F (Financial Considerations) and Guideline E (Personal Conduct). The allegations stemmed from several unresolved business debts, including a $13,173 debt for banking services, a $5,766 department store credit card debt, and a $1,971 bank debt, all of which had been placed for collection. Additional debts included a $684 credit card used for the applicant's business, a $559 credit card account, a $504 utility bill, and a $2,099 charged-off credit card account.

The judge found that the applicant successfully mitigated these security concerns. The applicant demonstrated recent financial responsibility, evidenced by a clean credit history. All debts listed in the Statement of Reasons were either resolved or no longer appeared on recent credit reports.

Furthermore, the applicant's conduct since enlisting in the Navy consistently reflected reliability and good judgment. Based on these mitigating factors, the security clearance was granted.

Why the Applicant Prevailed

The applicant demonstrated recent financial responsibility with a clean credit history.
All debts alleged in the SOR were resolved or no longer appeared on recent credit reports.
The applicant's conduct since enlistment in the Navy reflected reliability and good judgment.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(a)appliedBehavior Happened Long Ago or Infrequently
AG ¶ 20(b)rejectedConditions Beyond the Person's ControlThe applicant did not act responsibly in addressing his financial issues.
AG ¶ 20(e)rejectedReasonable Basis to Dispute Legitimacy of DebtThe applicant did not provide evidence to support his disputes.

Key Rule Quoted

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

Procedural Posture

SOR issuedJul 26, 2024
Answer filedNov 20, 2024
Hearing heldJun 3, 2025conducted by video teleconference
Decision dateJul 31, 2025

Cite For

Mitigation of Financial Concerns Under Guideline F Due to Recent Financial Responsibility
Credibility of Applicant's Testimony Regarding Personal Conduct
Resolution of Debts as a Factor in 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: granted

The judge found that the applicant mitigated the financial concerns under Guideline F related to his history of delinquent debts. All allegations regarding financial considerations were ruled in favor of the applicant, indicating that the debts were either resolved or not substantiated.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Debt for banking services, placed for collection of $13,173. $13,173	For Applicant	Unspecified Financial	Denied	—	—	—
1.b	Department store credit card, placed for collection of $5,766. $5,766	For Applicant	Credit Card Debt	Denied	—	—	—
1.c	Bank debt placed for collection of $1,971. $1,971	For Applicant	Unspecified Financial	Denied	—	—	—
1.d	Credit card used for Applicant’s business, referred for collection of $684. $684	For Applicant	Credit Card Debt	Denied	—	—	—
1.e	Credit card account referred for collection of $559. $559	For Applicant	Credit Card Debt	Denied	—	—	—
1.f	Utility bill for $504. $504	For Applicant	Utility or Phone Debt	Denied	—	—	—
1.g	Credit card account charged off for about $2,099. $2,099	For Applicant	Credit Card Debt	Denied	—	—	—

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.