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ISCR Case 24-02174 — CASE

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ISCR Case 24-02174

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

Case Profile
Decision Date6/9/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Related decisionSee the appeal decision (Case ISCR Case No. 24-02174) →
Participants
Applicant Representation: Pro Se
Judge: Darlene Lokey Anderson
Government Counsel: Andrew H. Henderson
Case Summary
The applicant in this case was a 36-year-old Senior Maintenance Mechanic seeking a security clearance. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) citing concerns under Guideline F, Financial Considerations, due to nine delinquent debts totaling approximately $39,000. The allegations indicated that the applicant's financial decisions reflected poor self-control and lack of judgment, raising questions about his reliability and trustworthiness.
During the proceedings, the applicant admitted to the debts outlined in the SOR, which included personal loans and credit accounts that had been charged off or placed for collection. He explained that many of these debts were incurred in 2022 after he had improved his credit rating and purchased a home, leading to excessive spending on home improvements and other items without a clear repayment plan. The applicant indicated that he had hired a credit repair company to negotiate settlements with creditors and was making monthly payments for their services.
The administrative judge ruled against the applicant, concluding that the financial issues raised significant concerns regarding his reliability and trustworthiness. The judge found that the applicant's history of excessive spending and failure to address his debts demonstrated a lack of judgment that could potentially compromise national security. Although the applicant was taking steps to resolve his financial issues, the judge determined that these efforts did not sufficiently mitigate the security concerns presented by his financial history.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
Similar decisions
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Case Headnote

ISCR Case No. 24-02174

deniedJun 9, 2025· Hon. Darlene Lokey Anderson· hearing

Summary

A 36-year-old Senior Maintenance Mechanic was denied a security clearance due to significant financial issues under Guideline F (Financial Considerations). The applicant admitted to multiple delinquent debts totaling approximately $39,000, which included several charged-off accounts and debts placed for collection.

Specific allegations detailed a $12,357 personal loan from 2022 used for home improvements and other bills, and a $6,242 debt for concrete for a walkway. Other debts included $4,256 and $1,452 for unknown and truck bed cover accounts, respectively, and $783 owed to Home Depot. Additionally, the applicant had a home mortgage that was four months past due, with an approximate past-due amount of $7,507 and a total balance of $362,730.

Further debts included $5,204 for household furniture, and two personal loans from 2022 totaling $1,459 and $544. Despite admitting to these financial concerns, the applicant did not provide sufficient evidence of financial stability or a concrete plan to resolve the outstanding debts, leading to the denial of his security clearance eligibility.

Why the Applicant Was Denied

The applicant admitted to having multiple delinquent debts totaling approximately $39,000.
The applicant failed to provide sufficient evidence of financial stability or a plan to resolve his debts.

Conditions Referenced

Disqualifying

AG ¶ 19raisedFinancial Considerations

Procedural Posture

SOR issuedJan 3, 2025
Answer filedJan 16, 2025
Hearing heldMay 7, 2025
Decision dateJun 9, 2025

Cite For

Financial Issues Impacting Security Clearance Eligibility
Admission of Financial Delinquency Under Guideline F
Insufficient Mitigation of Financial Concerns Leading to Denial of Clearance.

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: HearingDecided: denied

The judge found that the applicant has multiple delinquent debts totaling approximately $39,000, which raised significant financial concerns under Guideline F. Despite the applicant's admission of the debts and attempts to resolve them, the judge concluded that the financial considerations were not mitigated, resulting in a decision against the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant is indebted to a creditor in the amount of $12,357 for an account that was charged off. This was a personal loan he opened in 2022. He used the money for home improvements and to pay off other bills. $12,357	Against Applicant	Personal Loan Debt	Admitted	—	—	—
1.b	Applicant is indebted to a creditor in the amount of $6,242 for an account that was charged off. This was the cost of concrete that was poured for a walkway at Applicant’s house. $6,242	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.c	Applicant is indebted to a creditor in the amount of $4,256 for an account that was placed for collection. Applicant does not recall what he used the account for. $4,256	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.d	Applicant is indebted to a creditor in the amount of $1,452 for an account that was placed for collection. This is an account for a cover for the bed of Applicant’s truck that was opened in August 2023. $1,452	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.e	Applicant is indebted to a creditor in the amount of $783 for an account that was placed for collection. This is a debt owed to Home Depot. $783	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.f	Applicant is indebted to a mortgage lender on an account that is past due in the approximate amount of $7,507 with a total balance of $362,730. This is Applicant’s home mortgage that was four months past due in the amount of $14,694. $7,507	Against Applicant	Mortgage or Home Loan Debt	Admitted	—	—	—
1.g	Applicant is indebted to a creditor in the amount of $5,204 for an account that was charged off. This is for household furniture. $5,204	Against Applicant	Unspecified Financial	Admitted	—	—	—
1.h	Applicant is indebted to a creditor in the amount of $1,459 for an account that was placed for collection. This was a personal loan that was opened in March 2022. $1,459	Against Applicant	Personal Loan Debt	Admitted	—	—	—
1.i	Applicant is indebted to a creditor in the amount of $544 for an account that was placed for collection. This was a personal loan that was opened in July 2022. $544	Against Applicant	Personal Loan Debt	Admitted	—	—	—

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.