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ISCR Case 25-00104 — CASE

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ISCR Case 25-00104

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

Case Profile
Decision Date2/17/2026
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: A. M. Driskill
Government Counsel: Troy L. Nussbaum
Case Summary
least once before and was aware of the importance of providing accurate information. The administrative judge found that the applicant's failure to report her delinquent debts on her security clearance application constituted a deliberate omission, as she had previously denied having any delinquent debts during interviews with investigators. Although the applicant claimed she forgot about the debts, the judge noted that her husband managed the family's finances, which undermined her assertion of forgetfulness.
The administrative judge ruled against the applicant, concluding that she did not mitigate the security concerns under Guideline F related to financial considerations, as she had two delinquent debts totaling $21,145. The judge found that the applicant's financial issues were not sufficiently explained or resolved, and her failure to take action on her debts raised doubts about her reliability and judgment. The concerns under Guideline E regarding personal conduct were not established, as the government did not meet its burden of proof regarding the falsification allegation. Ultimately, the applicant's eligibility for access to classified information was denied.
Guidelines Evaluated
- Guideline EPersonal Conduct · For Applicant
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 25-00104

deniedFeb 17, 2026· Hon. A. M. Driskill· hearing

Summary

A 44-year-old applicant with a bachelor's degree was denied a security clearance due to unresolved financial issues under Guideline F (Financial Considerations). The applicant had two delinquent debts totaling $21,145, which she failed to resolve. She admitted to these debts but claimed forgetfulness regarding their omission from her July 2024 security clearance application.

The Statement of Reasons included allegations that the applicant falsified material facts on her application by not reporting these delinquent debts, and specifically cited the two outstanding debts. Disqualifying conditions under AG ¶ 19(a), AG ¶ 19(b), and AG ¶ 19(c) were raised.

The judge determined that the applicant's financial problems were not mitigated by her circumstances, concluding that she did not act responsibly toward her debts. While an allegation under Guideline E (Personal Conduct) regarding falsification was not established, the overall finding was that granting clearance was inconsistent with national security interests, leading to the denial.

Why the Applicant Was Denied

The applicant had two delinquent debts totaling $21,145 that she failed to resolve.
She admitted to the debts but claimed forgetfulness in reporting them on her application.
The judge found that her financial problems were not mitigated by her circumstances, as she did not act responsibly toward her debts.

Conditions Referenced

Disqualifying

AG ¶ 19(a)raisedInability to Satisfy Debts
AG ¶ 19(b)raisedUnwillingness to Satisfy Debts Regardless of the Ability to Do So
AG ¶ 19(c)raisedA History of Not Meeting Financial Obligations

Key Rule Quoted

“Eligibility for a security clearance is predicated upon the applicant meeting the criteria contained in the adjudicative guidelines.”

Procedural Posture

SOR issuedMar 27, 2025
Answer filed—undated response
Hearing held—decision on the written record
Decision dateFeb 17, 2026

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Mitigate Financial Concerns Despite Personal Circumstances
No Established Falsification Under Guideline E

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 E (Personal Conduct) · descriptive summary of a decided case

Posture: Decision on RecordDecided: denied

The judge found that the applicant falsified material facts on her July 2024 security clearance application by not reporting her delinquent debts. The applicant admitted to the allegations but claimed she forgot about the debts when filling out the application. The judge ruled against the applicant on the personal conduct concerns, leading to a denial of her clearance.

¶	Allegation	Finding	Conduct	Concealed Issue	Response	Disqualifying (¶16)	Mitigating applied (¶17)	Mitigation
2.a	Applicant falsified material facts on her July 2024 security clearance application by not reporting her delinquent debts.	For Applicant	Falsification Security FormFOUND DELIBERATE	Financial	Denied	(a) deliberate omission, concealment, or falsification on a security form (b) deliberately providing false information to an investigator or official (c) credible adverse information across areas supporting a whole-person concern	—	—

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

Standardized Decision Profile

SEAD-4 Guideline F · descriptive summary of a decided case

Posture: Decision on RecordDecided: denied

The judge found that the applicant has two delinquent debts totaling $21,145, which she failed to report on her security clearance application. The judge ruled against the applicant on both allegations under Guideline F, citing a history of not meeting financial obligations and an unwillingness to satisfy debts.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has two delinquent debts totaling $21,145. $21,145	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (c) a history of not meeting financial obligations	—	—
1.b	Applicant has two delinquent debts totaling $21,145. $21,145	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (b) unwillingness to satisfy debts regardless of ability (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.