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ISCR Case 24-01403 — CASE

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ISCR Case 24-01403

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

Case Profile
Decision Date1/29/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: LeRoy F. Foreman
Government Counsel: Cynthia Ruckno
Case Summary
The applicant in this case was a 34-year-old employee of a defense contractor who previously served in the U.S. Marine Corps and held a security clearance during his service. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) citing security concerns under Guideline F (Financial Considerations), alleging that the applicant had multiple delinquent debts totaling over $21,000, which he had not taken steps to resolve.
In his response to the SOR, the applicant admitted to all allegations, including debts for unpaid rent, damage to rental property, a charged-off car loan, and a bank overdraft. He indicated that he was current on his child support obligations but did not provide evidence of financial counseling or efforts to address the delinquent debts. The administrative judge noted that the applicant's financial issues were numerous and recent, and he had not disputed any of the debts or sought assistance to resolve them.
The administrative judge ruled against the applicant, concluding that the evidence established disqualifying conditions under Guideline F. The judge found that the applicant had not mitigated the security concerns related to his financial irresponsibility, which raised questions about his reliability and trustworthiness. Consequently, the judge denied the applicant's eligibility for access to classified information, stating that it was not consistent with national security interests.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-01403

deniedJan 29, 2025· Hon. LeRoy F. Foreman· hearing

Summary

A 34-year-old defense contractor and former U.S. Marine was denied security clearance eligibility under Guideline F (Financial Considerations) due to over $20,000 in delinquent debts. The Statement of Reasons detailed several financial issues, including a $3,438 delinquent rent debt and a $1,096 debt for rental property damage, both placed for collection, with no action taken by the applicant to resolve them.

Additionally, a car loan totaling $14,442 was charged off after the applicant surrendered the vehicle, and no action was taken to resolve this debt. A bank overdraft of $2,539 was also charged off, though a January 2022 credit report indicated this specific debt had been paid. Disqualifying conditions under AG ¶ 19(a) and AG ¶ 19(c) were raised.

Despite the applicant admitting to all allegations, the judge found that no mitigating conditions were established. The applicant failed to take any action to resolve the outstanding debts or seek financial counseling, leading to the denial of security clearance.

Why the Applicant Was Denied

The applicant admitted to all allegations of delinquent debts totaling over $20,000.
The applicant did not take any action to resolve the debts or seek financial counseling.
The judge found that the applicant did not establish any mitigating conditions for the debts.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue CreditorsThe applicant established a good-faith effort for one debt that had been paid.
AG ¶ 20(a)rejectedBehavior Unlikely to RecurThe judge found the applicant's financial issues were numerous and recent.
AG ¶ 20(b)rejectedConditions Beyond ControlThe applicant did not demonstrate that the financial issues were beyond his control.
AG ¶ 20(c)rejectedFinancial CounselingThe applicant did not seek or receive financial counseling.
AG ¶ 20(e)rejectedDispute Legitimacy of DebtThe applicant did not dispute any of the debts.

Key Rule Quoted

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

Procedural Posture

SOR issuedAug 22, 2024
Answer filedSep 28, 2024
Hearing held—Applicant requested a decision on the written record.
Decision dateJan 29, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Obligations
Importance of Taking Action to Mitigate Financial Issues
Criteria for Evaluating Financial Considerations Under Guideline F

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 multiple financial concerns under Guideline F, including delinquent rent, damage to rental property, a charged-off car loan, and a charged-off bank overdraft. The applicant admitted to all allegations but failed to take action to resolve the debts, leading to a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	delinquent rent placed for collection of $3,438. Applicant has taken no action to resolve this debt. $3,438	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	damage to rental property, placed for collection of $1,096. Applicant has not communicated with the rental agency or the collection company or taken any action to resolve the debt. $1,096	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.c	car loan charged off for $14,442. Applicant surrendered this vehicle when he could not afford to make the payments. He has taken no action to resolve this debt. $14,442	Against Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.d	bank overdraft charged off for $2,539. The January 2022 credit report reflects that this debt has been paid. $2,539	Against Applicant	Unspecified Financial	Admitted	(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.