CASE · Clearance Adjudication Search EngineCASE

Loading case…

ISCR Case 25-00080 — CASE

DOHA Record Explorer

ISCR Case 25-00080

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

Case Profile
Decision Date11/25/2025
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Mark W. Harvey
Government Counsel: Tara R. Karoian
Case Summary
The applicant in this case sought a security clearance and faced allegations under Guideline F, concerning financial considerations. The Statement of Reasons (SOR) outlined six delinquent debts totaling approximately $31,000, which raised concerns about the applicant's financial stability and responsibility. The applicant denied the allegations but provided explanations regarding his financial difficulties, attributing them to a loss of income from secondary employment and his spouse's job loss due to caregiving responsibilities.
During the proceedings, the applicant admitted to some financial issues but claimed they were not due to willful neglect. He described efforts to resolve his debts, including attempts to negotiate payment plans and implement budgeting strategies. However, the administrative judge found that the applicant's financial problems were not sufficiently mitigated, particularly noting the lack of a payment plan for a recent tax debt and the absence of evidence showing consistent efforts to address the delinquent debts. Consequently, the judge ruled to deny the applicant's eligibility for access to classified information, concluding that the applicant had not demonstrated the necessary trustworthiness and reliability required for a security clearance.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
- Guideline FFinancial Considerations · Against Applicant
- Guideline FFinancial Considerations · Withdrawn
Similar decisions
Other decisions whose allegations read most like this one. Descriptive similarity of the allegations only — not a prediction.
Finding similar decisions…

Case Headnote

ISCR Case No. 25-00080

deniedNov 25, 2025· Hon. Mark W. Harvey· hearing

Summary

A 57-year-old applicant seeking employment with a government contractor was denied a security clearance under Guideline F (Financial Considerations) due to multiple unresolved financial issues. The Statement of Reasons (SOR) detailed several delinquent debts, including one for $13,459 from car loans taken out with his spouse in 2021, and another for $33, which was originally a $200 debt.

The total amount of delinquent debt was approximately $31,000. The applicant claimed these financial difficulties were beyond his control. However, the judge found that the applicant failed to provide sufficient evidence of financial responsibility or mitigation efforts to resolve these debts.

Consequently, the judge determined that the applicant's financial issues raised unmitigated questions regarding his reliability and trustworthiness, leading to the denial of his security clearance. Disqualifying conditions under Adjudicative Guidelines ¶ 19(a) and ¶ 19(c) were cited in the decision.

Why the Applicant Was Denied

The applicant had multiple delinquent debts totaling approximately $31,000.
He failed to provide sufficient evidence of financial responsibility or mitigation efforts.
The judge found that the applicant's financial issues raised unmitigated questions about his reliability and trustworthiness.

Conditions Referenced

Disqualifying

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

Procedural Posture

SOR issuedFeb 19, 2025
Answer filedMar 13, 2025
Hearing heldAug 13, 2025via Microsoft Teams
Decision dateNov 25, 2025

Cite For

Insufficient Evidence of Financial Responsibility Under Guideline F
Impact of Unresolved Financial Issues on Security Clearance Eligibility
Importance of Documented Efforts to Mitigate Financial Concerns

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 multiple financial concerns under Guideline F, including several delinquent debts totaling approximately $31,000. The judge ruled against the applicant on most debts, citing insufficient mitigation of the financial issues, while one debt was found in favor of the applicant and another was withdrawn.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	SOR ¶ 1.a for $13,459 resulted from car loans that Applicant and his spouse borrowed in 2021. $13,459	Against Applicant	Auto Loan Debt	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.e	SOR ¶ 1.e for $33 was originally a debt for $200. $33	For Applicant	Unspecified Financial	Denied	—	—	—
1.f	specific text not stated in this decision	Withdrawn	Unspecified Financial	Unknown	—	—	—

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.