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ISCR Case 24-02299 — CASE

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ISCR Case 24-02299

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

Case Profile
Decision Date11/20/2025
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Darlene Lokey Anderson
Government Counsel: Andrew H. Henderson
Case Summary
The applicant, a 53-year-old Badge Access Control Officer with a defense contractor, sought a security clearance after submitting her application on May 22, 2024. The Defense Counterintelligence and Security Agency issued a Statement of Reasons (SOR) on February 20, 2025, citing security concerns under Guideline F, Financial Considerations. The SOR identified seven delinquent accounts totaling approximately $12,500, alleging that the applicant's financial decisions indicated poor self-control and lack of judgment, raising questions about her reliability and trustworthiness.
The applicant admitted to the allegations in the SOR and provided context for her financial difficulties, including two job layoffs that impacted her ability to pay bills. She explained that her priority was to meet her family's basic needs, which led to the accumulation of debt. However, she demonstrated efforts to mitigate her financial issues by working overtime, negotiating settlements with creditors, and settling several debts. By the time of the hearing, she had resolved some debts and was actively working on a plan to address the remaining ones.
The administrative judge ruled in favor of the applicant, concluding that the mitigating factors outweighed the disqualifying conditions. The judge noted the applicant's proactive steps to resolve her financial issues, her stable employment, and positive recommendations from supervisors, which indicated her reliability and trustworthiness. The judge emphasized that the applicant's financial difficulties were largely due to circumstances beyond her control and that her current actions demonstrated a commitment to financial responsibility.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 24-02299

grantedNov 20, 2025· Hon. Darlene Lokey Anderson· hearing

Summary

A 53-year-old Badge Access Control Officer, employed by a defense contractor, was granted a security clearance despite initial concerns under Guideline F (Financial Considerations). The applicant faced allegations regarding approximately $12,500 in delinquent accounts across seven separate debts. These included two charged-off accounts totaling $4,630 and $3,086 respectively, and five other delinquent accounts ranging from $261 to $1,637 that had been placed for collection or charged off.

Disqualifying conditions under Adjudicative Guidelines Paragraphs 19(a) and 19(c) were raised due to these financial issues. However, the decision ultimately applied mitigating conditions under Paragraphs 20(b) and 20(d).

The clearance was granted because the applicant demonstrated a good faith effort to resolve her debts. This included working overtime and negotiating settlements. She successfully resolved five of the seven listed debts and was actively working to address the remaining two. The applicant's financial difficulties were also attributed to circumstances largely beyond her control, specifically job layoffs.

Why the Applicant Prevailed

The applicant made a good faith effort to resolve her debts, including working overtime and negotiating settlements.
She successfully resolved five of the seven debts listed in the SOR and is actively working on the remaining two.
The applicant's financial difficulties were largely due to circumstances beyond her control, including job lay-offs.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(b)appliedConditions That Resulted in the Financial Problem Were Largely Beyond the Person’s Control
AG ¶ 20(d)appliedThe Individual Initiated and Is Adhering to a Good Faith Effort to Repay Overdue Creditors or Otherwise Resolve Debts

Key Rule Quoted

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

Procedural Posture

SOR issuedFeb 20, 2025
Answer filedJun 4, 2025
Hearing heldSep 10, 2025
Decision dateNov 20, 2025

Cite For

Good Faith Efforts to Resolve Financial Issues Under Guideline F
Mitigation of Financial Considerations Due to Circumstances Beyond Control
Importance of Demonstrating Financial Responsibility for 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: HearingDecided: granted

The judge found that the applicant had several delinquent accounts totaling approximately $12,500, which raised concerns under Guideline F regarding financial considerations. However, the judge concluded that the applicant made a good-faith effort to resolve her debts and ultimately ruled in favor of the applicant, granting her eligibility for a security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant is indebted to a creditor for a delinquent account in the amount of $4,630 that was charged off. $4,630	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other
1.b	Applicant is indebted to a creditor for a delinquent account in the amount of $3,086 that was charged off. $3,086	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other
1.c	Applicant was indebted to a creditor for a delinquent account in the amount of $1,372 that was charged off. $1,372	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other
1.d	Applicant was indebted to a creditor for a delinquent account in the amount of $261 that was placed for collection. $261	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other
1.e	Applicant was indebted to a creditor for a delinquent account in the amount of $264 that was placed for collection. $264	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other
1.f	Applicant was indebted to a creditor for a delinquent account in the amount of $1,637 that was placed for collection. $1,637	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other
1.g	Applicant was indebted to a creditor for a delinquent account in the amount of $1,304 that was placed for collection. $1,304	For Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts	—	Claimed Other

Descriptive standardized rendering of a decided public case (Guideline F). The verbatim source decision is shown in full below.

Full decision

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