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ISCR Case 24-01775 — CASE

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ISCR Case 24-01775

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

Case Profile
Decision Date6/25/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Roger C. Wesley
Government Counsel: Sakeena Farhath
Case Summary
Applicant, a 47-year-old employee of a defense contractor, sought a security clearance but faced allegations under the financial considerations guideline due to nine delinquent consumer debts exceeding $45,000. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) on November 15, 2024, citing the applicant's inability to resolve these debts as a concern for her eligibility to access classified information.
In her response to the SOR, the applicant admitted most of the debts but denied two specific allegations, claiming mitigating circumstances related to her marriage separation, the COVID-19 pandemic, and her father's cancer diagnosis. Despite these claims, the applicant provided no additional documentation to support her assertions or demonstrate any efforts to address her financial issues. Her financial statement indicated a negative monthly remainder, highlighting ongoing financial distress.
The administrative judge ruled against the applicant, concluding that she did not sufficiently mitigate the financial concerns raised. The judge noted that the applicant's admitted debts and her failure to resolve them raised significant questions about her reliability and judgment, which are critical for someone seeking access to classified information. The ruling emphasized that financial stability is essential for trust in security clearance holders, and the applicant's circumstances did not adequately demonstrate responsible management of her financial obligations.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-01775

deniedJun 25, 2025· Hon. Roger C. Wesley· hearing

Summary

A 47-year-old defense contractor employee was denied a security clearance under Guideline F, Financial Considerations, due to nine delinquent consumer debts totaling over $45,000. The Statement of Reasons specifically alleged the accumulation of these debts. Disqualifying conditions 19(a) and 19(c) were raised, indicating a history of not meeting financial obligations and an inability or unwillingness to satisfy debts.

While the applicant cited personal hardships, including a marital separation and a family illness, the judge found these insufficient to mitigate the financial concerns. Mitigating condition 20(b) was applied, which considers circumstances beyond the applicant's control, but it did not overcome the security concerns.

The denial was based on the applicant's failure to provide documented evidence of efforts to address the debts. Ultimately, the judge concluded that the applicant's financial issues raised significant concerns regarding trust and reliability, leading to the denial of eligibility for access to classified information.

Why the Applicant Was Denied

The applicant accumulated nine delinquent consumer debts exceeding $45,000.
The applicant failed to provide documented evidence of efforts to address her debts.
The judge concluded that the applicant's financial issues raised trust and reliability concerns.

Conditions Referenced

Disqualifying

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

Mitigating

20(b)rejectedConditions That Resulted in the Financial Problem Were Largely Beyond the Person's ControlThe applicant did not demonstrate that she acted responsibly under the circumstances.

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)

Procedural Posture

SOR issuedNov 15, 2024
Answer filedDec 2, 2024Requested resolution on the written record without a hearing.
Hearing held—Case assigned on June 5, 2025.
Decision dateJun 25, 2025

Cite For

Denial of Security Clearance Due to Significant Financial Issues Under Guideline F
Insufficient Evidence of Mitigation in Financial Considerations Cases
Importance of Documented Efforts to Resolve Financial Delinquencies in Security Clearance Evaluations

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 against the applicant on financial considerations due to the accumulation of nine delinquent consumer debts exceeding $45,000. Despite the applicant's claims of mitigating circumstances related to personal hardships, the judge concluded that the financial concerns 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 nine delinquent consumer debts exceeding $45,000. $45,000	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.g–1.i	2 sub-charges — specific text not stated in this decision (against the applicant).	Against Applicant			—	—	—

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.