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ISCR Case 24-01471 — CASE

Case record

ISCR Case 24-01471

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

Case Profile
Decision Date2/19/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Related decisionSee the appeal decision (Case ISCR Case No. 24-01471) →
Participants
Applicant Representation: Pro Se
Judge: Jennifer I. Goldstein
Government Counsel: Cassie L. Ford
Case Summary
The applicant in this case was a 57-year-old employee of a government contractor who sought a security clearance. The Defense Office of Hearings and Appeals (DOHA) addressed concerns under Guideline F (Financial Considerations) due to the applicant's significant delinquent debts totaling $46,411. The Statement of Reasons (SOR) outlined five specific debts, with the applicant admitting to three and denying two, while asserting that the latter were in good standing.
The administrative judge found that the applicant had a history of financial difficulties, including multiple periods of unemployment, which contributed to her inability to resolve the debts. While the applicant demonstrated some efforts to address her student loans, which were reported as being paid as agreed, she failed to provide a plan or documentation to resolve the larger charged-off debts. The judge concluded that the applicant's financial issues raised concerns about her reliability and trustworthiness, ultimately ruling against her eligibility for a security clearance. The decision emphasized that the applicant did not meet the necessary criteria to demonstrate that granting her clearance would be consistent with national security interests.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-01471

deniedFeb 19, 2025· Hon. Jennifer I. Goldstein· hearing

Summary

A 57-year-old government contractor was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial delinquencies totaling $46,411. The Statement of Reasons detailed several outstanding debts, including a charged-off second mortgage for $38,726, a general-purpose charged-off account for $3,968, and a charged-off credit card for $3,257.

Additionally, the applicant had two student loans that were previously past due by $285 and $175, respectively, but were now reported to be in good standing. Despite the positive status of the student loans, the judge found insufficient evidence to mitigate the more substantial debts.

The denial was based on the applicant's failure to present a plan for resolving the significant delinquencies and a lack of documentation demonstrating efforts to address these debts. The judge concluded that the applicant's financial issues raised concerns about her reliability and trustworthiness, leading to the denial of her security clearance.

Why the Applicant Was Denied

The applicant failed to demonstrate a plan to resolve significant delinquencies totaling $46,411.
The judge found that the applicant's financial issues cast doubt on her reliability and trustworthiness.
The applicant did not provide documentation of efforts to resolve her debts.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(d)appliedGood-faith Effort to Repay Overdue CreditorsThe applicant demonstrated a good-faith effort regarding her student loans.
AG ¶ 20(a)rejectedBehavior Occurred Long Ago or Infrequently
AG ¶ 20(b)rejectedConditions Largely Beyond the Person's Control

Key Rule Quoted

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

Procedural Posture

SOR issuedOct 29, 2024
Answer filedNov 12, 2024
Hearing held—Decision based on written record.
Decision dateFeb 19, 2025

Cite For

Evaluation of Financial Considerations Under Guideline F
Insufficient Evidence of Mitigation for Financial Delinquencies
Impact of Unresolved Debts on 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: Decision on RecordDecided: denied

The judge found that the applicant had multiple financial concerns, including charged-off accounts and past due student loans. While the applicant demonstrated good standing on the student loans, the judge ultimately ruled against the applicant on the charged-off debts, leading to a denial of the security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Indebted on a charged-off account in the amount of $38,726 for a second mortgage. $38,726	Against Applicant	Mortgage or Home Loan Debt	Admitted	—	—	—
1.b	Indebted on a charged-off account in the amount of $3,968 for general purposes. $3,968	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.c	Indebted on a charged-off credit card in the amount of $3,257. $3,257	Against Applicant	Credit Card Debt	Admitted	—	—	—
1.d	$285 past due on a student loan debt totaling $2,330, now in good standing. $2,330	For Applicant	Student Loan Debt	Denied	—	(d) good-faith effort to repay or otherwise resolve debts	Claimed Debt Paid in Full
1.e	$175 past due on a second student loan debt totaling $1,625, now in good standing. $1,625	For Applicant	Student Loan Debt	Denied	—	(d) good-faith effort to repay or otherwise resolve debts	Claimed Debt Paid in Full

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.