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ISCR Case 24-01891 — CASE

Case record

ISCR Case 24-01891

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

Case Profile
Decision Date1/29/2026
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Charles C. Hale
Government Counsel: Daniel P. O'Reilley
Case Summary
The applicant in this case was a 40-year-old individual who served honorably in the U.S. Air Force from 2007 to 2016 and held a master's degree. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F, related to financial considerations, due to approximately $180,000 in delinquent debts, including significant child support arrears. The applicant admitted to 15 of the 21 allegations in the SOR but did not provide sufficient evidence to demonstrate any progress in resolving his financial issues.
The applicant acknowledged his financial difficulties stemmed from underemployment following his military discharge and admitted to sporadic child support payments. He denied several specific debts but did not provide documentation to support his claims of resolution or payment arrangements. The administrative judge noted that the applicant's financial problems were recent and ongoing, and he failed to show a good-faith effort to address his debts. Consequently, the judge ruled against the applicant, concluding that he did not mitigate the security concerns related to his financial situation, which raised doubts about his reliability and trustworthiness. The application for a security clearance was denied.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 24-01891

deniedJan 29, 2026· Hon. Charles C. Hale· hearing

Summary

A 40-year-old former U.S. Air Force member was denied a security clearance under Guideline F, Financial Considerations, due to significant and ongoing financial issues. The applicant faced approximately $180,000 in delinquent debts, including child support arrearages. The Statement of Reasons (SOR) detailed 21 allegations of financial indebtedness, with the applicant admitting to 15 of these.

Specific allegations denied by the applicant included delinquent accounts ranging from approximately $231 to $2,572, such as a landlord collection account and several other collection accounts. Disqualifying conditions under Guideline F, specifically AG ¶ 19(a) and AG ¶ 19(c), were raised due to the nature and extent of the financial problems.

The denial was based on the applicant's failure to provide sufficient evidence of progress in resolving these debts. The applicant did not demonstrate resolution of any delinquent accounts or the establishment of payment arrangements with creditors. Consequently, the judge determined that the applicant's financial problems were ongoing and did not meet the criteria for mitigation, leading to the denial of the security clearance.

Why the Applicant Was Denied

The applicant admitted to 15 of 21 allegations related to financial issues, including child support arrearages.
The applicant did not provide evidence of resolving any delinquent accounts or establishing payment arrangements with creditors.
The applicant's financial problems were ongoing and did not meet the criteria for mitigation.

Conditions Referenced

Disqualifying

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

Procedural Posture

SOR issuedDec 13, 2024
Answer filedMar 18, 2025Applicant requested a decision based on the administrative record.
Hearing held—Decision made without a hearing.
Decision dateJan 29, 2026

Cite For

Insufficient Evidence to Mitigate Financial Concerns Under Guideline F
Ongoing Financial Issues Leading to Denial of Security Clearance
Admission of Multiple Allegations Related to Financial Delinquency

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 under Guideline F, with the applicant admitting to several debts but denying others. Ultimately, the judge ruled against the applicant on most allegations, citing insufficient evidence of debt resolution and ongoing financial issues.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a–1.d	4 sub-charges — specific text not stated in this decision (against the applicant).	Against Applicant			—	—	—
1.e	Applicant denied SOR ¶ 1.e, that he was indebted for an account placed for collection by a [landlord] in the approximate amount of $2,572, which as of the date of the SOR remains delinquent. $2,572	For Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.f–1.i	4 sub-charges — specific text not stated in this decision (against the applicant).	Against Applicant			—	—	—
1.j	Applicant denied SOR ¶ 1.j, that he was indebted for an account placed for collection in the approximate amount of $560, which as of the date the SOR remains delinquent. $560	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.k	Applicant denied SOR ¶ 1.k, that he was indebted for a past due account in the approximate amount of $333, which as of the date the SOR remains delinquent. $333	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.l	Applicant denied SOR ¶ 1.l, that he was indebted for an account placed for collection in the approximate amount of $289, which as of the date the SOR remains delinquent. $289	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.m	specific text not stated in this decision	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.n	Applicant denied SOR ¶ 1.n, that he was indebted for an account charged off in the approximate amount of $231, which as of the date the SOR remains delinquent. $231	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.o–1.s	5 sub-charges — specific text not stated in this decision (against the applicant).	Against Applicant			—	—	—
1.t	Applicant denied SOR ¶ 1.t, that he was indebted for an account placed for collection in the approximate amount of $950, which as of the date the SOR remains delinquent. $950	Against Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—

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.