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ISCR Case 24-02375 — CASE

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ISCR Case 24-02375

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

Case Profile
Decision Date1/21/2026
Statusgranted
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: LeRoy F. Foreman
Government Counsel: Cassie L. Ford
Case Summary
The applicant in this case was a 47-year-old supervisor of a janitorial division at a federal government facility, who applied for a security clearance on March 8, 2024. The Defense Counterintelligence and Security Agency (DCSA) issued a Statement of Reasons (SOR) on March 26, 2025, citing security concerns under Guideline F (Financial Considerations) due to three delinquent debts. The applicant admitted to two of the debts and denied one, which was related to an insurance company.
Key facts included the applicant's admission of an automobile loan debt of approximately $22,464, which arose after his vehicle was stolen and subsequently damaged. He made efforts to resolve this debt, including making partial payments and attempting to negotiate a payment plan. The second debt was a medical bill of $522, which he was actively working to resolve through his insurance. The third debt, an insurance company debt of $181, was resolved through automatic payments. The applicant provided evidence of his financial management, including a personal financial statement and documentation of timely payments on other debts.
The administrative judge ruled in favor of the applicant, granting the security clearance. The judge found that the applicant had established mitigating conditions, demonstrating that his financial issues were largely beyond his control and that he had made good-faith efforts to address his debts. The judge concluded that the applicant's overall conduct and circumstances did not cast doubt on his reliability or trustworthiness, thus supporting the decision to grant the clearance.
Guidelines Evaluated
- Guideline FFinancial Considerations · For Applicant
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Case Headnote

ISCR Case No. 24-02375

grantedJan 21, 2026· Hon. LeRoy F. Foreman· hearing

Summary

A 47-year-old federal facility supervisor was granted a security clearance despite initial concerns under Guideline F (Financial Considerations) related to three delinquent debts. The Statement of Reasons cited an automobile loan of approximately $22,464 that had been charged off, a medical debt of $522 placed for collection, and an insurance company debt of $181 also placed for collection. These issues raised disqualifying conditions under Adjudicative Guidelines ¶ 19(a) and ¶ 19(c).

However, the judge determined that the applicant had successfully mitigated these concerns. The applicant demonstrated significant efforts to resolve the automobile loan, even in the face of creditor challenges. The medical debt was resubmitted for insurance coverage and no longer appeared on a recent credit report, indicating its resolution.

Furthermore, the insurance company debt was paid in full, showcasing the applicant's responsible financial behavior. The judge applied mitigating conditions under Adjudicative Guidelines ¶ 20(a), ¶ 20(b), and ¶ 20(d), concluding that the applicant's good faith efforts and responsible actions warranted the granting of the security clearance.

Why the Applicant Prevailed

The applicant made significant efforts to resolve his automobile loan debt despite creditor challenges.
The medical debt was resubmitted for insurance coverage and was not present in a recent credit report.
The insurance debt was paid in full, demonstrating responsible financial behavior.

Conditions Referenced

Disqualifying

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

Mitigating

AG ¶ 20(a)appliedThe Behavior Happened so Long Ago, Was so Infrequent, or Occurred Under Such Circumstances That It Is Unlikely to Recur
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

Key Rule Quoted

“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”
— Exec. Or. 10865 § 2.

Procedural Posture

SOR issuedMar 26, 2025
Answer filedMay 28, 2025
Hearing heldDec 17, 2025hearing rescheduled due to federal government shutdown
Decision dateJan 21, 2026

Cite For

Mitigation of Financial Issues Under Guideline F
Good Faith Efforts to Resolve Debts
Responsible Behavior in Financial Management

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 three delinquent debts, including an automobile loan, medical debt, and an insurance company debt. Despite the debts being placed for collection, the judge concluded that the applicant had mitigated the financial concerns, resulting in a decision granted for the applicant.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	automobile loan, placed for collection and then account charged off for about $22,464. $22,464	For Applicant	Auto Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (b) conditions largely beyond the person’s control; acted responsibly	Claimed Other
1.b	medical debt placed for collection of $522. $522	For Applicant	Medical Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (b) conditions largely beyond the person’s control; acted responsibly	Claimed Other
1.c	insurance company debt placed for collection of $181. $181	For Applicant	Unspecified Financial	Denied	(a) inability to satisfy debts (c) a history of not meeting financial obligations	(a) behavior happened long ago / infrequent / unlikely to recur (b) conditions largely beyond the person’s control; acted responsibly	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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