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ISCR Case 24-00902 — CASE

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ISCR Case 24-00902

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

Case Profile
Decision Date2/3/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Marc E. Curry
Government Counsel: Jeff Kent
Case Summary
The applicant in this case was a 49-year-old married man employed as a cable harness technician. He faced security concerns under Guideline F, related to financial considerations, due to approximately $28,000 in delinquent debt. The Statement of Reasons outlined that the applicant's financial issues stemmed from various circumstances, including job loss, his mother's cancer diagnosis, frequent relocations, and his wife's shopping addiction.
The applicant admitted to the allegations in the Statement of Reasons but did not provide evidence of any progress in resolving his debts. Although he claimed to have a budget that allowed for debt repayment, he had not initiated any payments or taken steps to address his financial obligations. The administrative judge noted that while some financial difficulties were beyond the applicant's control, he failed to demonstrate a good-faith effort to resolve his debts, which undermined his claims for mitigation.
Ultimately, the administrative judge ruled against the applicant, concluding that he did not mitigate the financial concerns due to a lack of evidence showing any steps taken to address his delinquent debts. The judge emphasized that the applicant's financial history raised questions about his reliability and trustworthiness, leading to the denial of his security clearance application.
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.
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Case Headnote

ISCR Case No. 24-00902

deniedFeb 3, 2025· Hon. Marc E. Curry· hearing

Summary

A 49-year-old married cable harness technician was denied a security clearance due to financial considerations under Guideline F. The applicant faced concerns regarding approximately $28,000 in unresolved delinquent debt, as outlined in the Statement of Reasons. Disqualifying conditions AG ¶ 19(a) and AG ¶ 19(c) were raised.

While mitigating conditions AG ¶ 20(b) and AG ¶ 20(d) were applied, they were insufficient to overcome the security concerns. The applicant attributed his financial issues to circumstances beyond his control; however, this explanation did not sufficiently mitigate the concerns.

The denial was based on the applicant's failure to present evidence of progress in resolving his delinquent debts. All debts remained outstanding, despite the applicant's claims of having discretionary income available to address them.

Why the Applicant Was Denied

The applicant did not present evidence of progress in resolving his delinquent debts.
All debts remained outstanding despite claims of having discretionary income to pay them.
The applicant's financial problems were not sufficiently mitigated by circumstances beyond his control.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(b)appliedConditions Largely Beyond the Person's ControlCircumstances beyond the applicant's control contributed to his financial problems.
AG ¶ 20(d)rejectedGood-faith Effort to Repay DebtsThe applicant did not provide evidence of any steps taken to repay overdue creditors.

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 issuedJul 3, 2024
Answer filedJul 24, 2024Applicant requested a decision based on the evidence in the file.
Hearing held—
Decision dateFeb 3, 2025

Cite For

Failure to Demonstrate Progress in Resolving Financial Issues Under Guideline F
Impact of Financial Delinquency on Security Clearance Eligibility
Consideration of Circumstances Beyond Control in Financial Matters

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: Decision on RecordDecided: denied

The judge found that the applicant incurred approximately $28,000 of delinquent debt, which raised significant financial concerns under Guideline F. The applicant's claims of mitigating circumstances were not substantiated with evidence, leading to a decision against the applicant regarding financial considerations.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant incurred approximately $28,000 of delinquent debt. $28,000	Against Applicant	Unspecified Financial	Unknown	(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.