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ISCR Case 24-02245 — CASE

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ISCR Case 24-02245

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

Case Profile
Decision Date9/25/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Richard A. Cefola
Government Counsel: Andre M. Gregorian
Case Summary
The applicant in this case was a 52-year-old employee of a health-care company, applying for a security clearance for the first time. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F (financial considerations), alleging 13 delinquent accounts totaling $39,726, primarily related to repossessed vehicles and other debts in collections.
The applicant admitted to the majority of the allegations regarding her financial difficulties but provided limited context for her situation. She explained that her financial problems stemmed from her son’s job loss during the COVID-19 pandemic, which affected her ability to make payments on cosigned vehicles. Additionally, she surrendered her own vehicle due to mechanical issues and financial strain from raising her grandchildren. However, the applicant did not present sufficient evidence of actions taken to resolve her debts or demonstrate a good-faith effort to address her financial obligations.
The administrative judge ruled against the applicant, concluding that she did not mitigate the financial considerations security concerns. The judge found that the applicant's financial issues were recent and ongoing, casting doubt on her reliability and judgment. The decision emphasized the importance of the national interest in determining eligibility for a security clearance, ultimately denying the applicant's request for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-02245

deniedSep 25, 2025· Hon. Richard A. Cefola· hearing

Summary

A 52-year-old healthcare sector employee was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial issues. The Statement of Reasons (SOR) detailed 13 delinquent automobile and consumer accounts, totaling $39,726. Additionally, the applicant had to surrender a vehicle financed through Ally Financial. These issues raised disqualifying conditions under Adjudicative Guidelines Paragraphs 19(a) and 19(c).

The denial was based on several factors. The applicant failed to provide sufficient evidence to mitigate her financial problems, which were deemed recent and ongoing. This lack of mitigation cast doubt on her reliability and judgment.

Ultimately, the applicant did not demonstrate a good-faith effort to repay her debts or present a viable plan to address the outstanding financial concerns. Consequently, her security clearance was denied.

Why the Applicant Was Denied

The applicant did not provide sufficient evidence of mitigation for her financial issues.
The applicant's financial problems were recent and ongoing, casting doubt on her reliability and judgment.
The applicant failed to demonstrate a good-faith effort to repay her debts.

Conditions Referenced

Disqualifying

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

Key Rule Quoted

“The protection of the national security is the paramount consideration.”

Procedural Posture

SOR issuedJan 9, 2025
Answer filedApr 9, 2025
Hearing held—Decision based on written record.
Decision dateSep 25, 2025

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Insufficient Evidence of Mitigation for Financial Considerations
Importance of Demonstrating a Good-faith Effort to Resolve Debts

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 against the applicant, including delinquent automobile and consumer accounts totaling $39,726. Despite some mitigation, the judge concluded that the applicant's financial issues were significant enough to deny the security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	The SOR alleges 13 delinquent automobile and consumer accounts, all totaling $39,726. $39,726	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b–1.c	2 sub-charges — specific text not stated in this decision (1 against, 1 for the applicant). (low confidence)	Mixed			—	—	—
1.d	Applicant also had to surrender her car that she had financed through Ally Financial.	Against Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e–1.m	9 sub-charges — specific text not stated in this decision (against the applicant). (low confidence)	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.