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ISCR Case 24-01615 — CASE

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ISCR Case 24-01615

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

Case Profile
Decision Date2/27/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Roger C. Wesley
Government Counsel: William H. Miller
Case Summary
The applicant in this case was a 31-year-old employee of a defense contractor seeking a security clearance. The adjudicative guideline at issue was financial considerations, with the core allegations in the Statement of Reasons (SOR) detailing eight delinquent debts totaling over $77,000. The applicant admitted to the allegations but provided explanations, stating that she was working with a financial counselor and had arranged bi-weekly payments to address some of her debts.
The administrative judge found that the applicant's financial issues were significant and unresolved, as she had not documented any progress in addressing her delinquencies. Although she claimed to have a surplus from the sale of a repossessed vehicle and asserted her commitment to financial stability, the judge noted that her financial statements omitted mention of her remaining debts and lacked evidence of payment progress. Ultimately, the judge ruled to deny the applicant's eligibility for access to classified information, citing the substantial evidence of her financial difficulties and the associated concerns regarding her reliability and judgment in managing her finances.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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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. 24-01615

deniedFeb 27, 2025· Hon. Roger C. Wesley· hearing

Summary

A 31-year-old defense contractor employee was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial issues. The Statement of Reasons alleged the applicant accumulated eight delinquent debts totaling over $77,000, which remained outstanding with no documented payment progress. These allegations raised Disqualifying Conditions 19(a) and 19(c).

While Mitigating Condition 19(b) was considered, the administrative judge ultimately denied the clearance. The primary reasons for denial were the significant amount of delinquent debt, which raised concerns about trustworthiness and reliability, and the applicant's failure to provide documented evidence of progress in addressing these debts.

Despite the applicant's claims of working with a financial counselor and making bi-monthly payments, these assertions were not substantiated with evidence. Consequently, the judge concluded that the applicant's financial instability presented significant trustworthiness concerns, leading to the denial of eligibility for access to classified information.

Why the Applicant Was Denied

The applicant accumulated eight delinquent debts exceeding $77,000, raising trust and reliability concerns.
The applicant failed to provide documented evidence of progress in addressing her debts.
The applicant's claims of working with a financial counselor and making payments were not substantiated with evidence.

Conditions Referenced

Disqualifying

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

Mitigating

19(b)rejectedThe Conditions That Resulted in the Financial Problem Were Largely Beyond the Person’s ControlThe applicant's reported unemployment only partially applied without more information on the current status of her debts.

Key Rule Quoted

“Eligibility for access to classified information may only be granted 'upon a finding that it is clearly consistent with the national interest to do so.'”
— Exec. Or. 10865, Safeguarding Classified Information within Industry § 2 (Feb. 20, 1960), as amended.

Procedural Posture

SOR issuedSep 17, 2024
Answer filedSep 30, 2024Requested resolution on the written record without a hearing.
Hearing held—
Decision dateFeb 27, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Importance of Documented Evidence in Mitigating Financial Concerns
Trustworthiness Implications of Financial Instability 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 F · descriptive summary of a decided case

Posture: Decision on RecordDecided: denied

The judge found that the applicant had accumulated eight delinquent debts totaling over $77,000, which remain unresolved. Despite the applicant's claims of working with a financial counselor and making bi-weekly payments, the judge concluded that the financial considerations raised security concerns that were not mitigated, resulting in a denial of eligibility for access to classified information.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant allegedly accumulated eight delinquent debts exceeding $77,000. $77,000	Against Applicant	Unspecified Financial	Admitted	—	—	Claimed Other
1.b	Applicant's delinquent debts have not been resolved and remain outstanding. $0	Against Applicant	Unspecified Financial	Admitted	—	—	Claimed Other
1.c	Applicant has made no documented payment progress in addressing her debt delinquencies. $0	Against Applicant	Unspecified Financial	Admitted	—	—	Claimed Other

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.