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ISCR Case 25-00150 — CASE

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ISCR Case 25-00150

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

Case Profile
Decision Date2/9/2026
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Eric H. Borgstrom
Government Counsel: Carroll J. Connelley
Case Summary
The applicant in this case was a 42-year-old individual with a background in the U.S. Navy and experience as a senior nuclear instructor and test engineer for Department of Defense contractors. The Defense Counterintelligence and Security Agency issued a Statement of Reasons citing security concerns under Guideline F (financial considerations) due to the applicant's delinquent debts, including federal taxes and credit card accounts totaling approximately $39,775. The applicant admitted to these debts but did not provide any documentary evidence or a plan for resolution.
The administrative judge found that the applicant had not acted responsibly to address his financial issues. Although he attributed his financial difficulties to an unforeseen increase in property taxes, he failed to demonstrate any efforts to resolve the delinquent accounts or seek financial counseling. The judge noted that the debts had remained unresolved for over three years, raising concerns about the applicant's reliability and judgment.
Ultimately, the administrative judge ruled against the applicant, concluding that the applicant did not mitigate the financial considerations security concerns. The decision emphasized that the applicant's inaction regarding his debts was inconsistent with the interests of national security, leading to the denial of his eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 25-00150

deniedFeb 9, 2026· Hon. Eric H. Borgstrom· hearing

Summary

A 42-year-old male applicant, with a U.S. Navy background and a bachelor's degree, was denied a security clearance under Guideline F (Financial Considerations) due to unresolved financial issues. The Statement of Reasons detailed two delinquent credit card accounts.

The first account, opened in January 2019, became delinquent in August 2022 and was charged off in March 2023, with an approximate balance of $27,943. The second account, opened in November 2002, became delinquent in September 2022 and was charged off in February 2023, with an approximate balance of $11,832. These debts totaled approximately $39,775.

The applicant admitted to both debts but failed to provide any evidence of efforts to mitigate these financial concerns. Consequently, the judge concluded that the applicant did not demonstrate responsible financial behavior, raising doubts about his reliability and judgment, leading to the denial of his security clearance.

Why the Applicant Was Denied

The applicant admitted to two delinquent credit card debts totaling approximately $39,775.
He failed to provide any evidence of efforts to mitigate the financial concerns.
The judge found that the applicant did not demonstrate responsible financial behavior.

Conditions Referenced

Disqualifying

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

Procedural Posture

SOR issuedJun 5, 2025
Answer filedJul 16, 2025Applicant requested a decision based on the written record.
Hearing held—Decision made without a hearing.
Decision dateFeb 9, 2026

Cite For

Denial of Security Clearance Due to Unresolved Financial Issues Under Guideline F
Failure to Demonstrate Responsible Financial Behavior as a Basis for Denial
Impact of Financial Delinquencies on Reliability and Judgment Assessments

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 against the applicant on financial considerations due to two delinquent credit card accounts totaling approximately $39,775, which remained unresolved. The applicant admitted to the debts but failed to provide evidence of any payment arrangements or attempts to resolve them, leading to a denial of eligibility for a security clearance.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Delinquent credit card account opened in January 2019, became delinquent in August 2022, charged off in March 2023, amount approximately $27,943. $27,943	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.b	Delinquent credit card account opened in November 2002, became delinquent in September 2022, charged off in February 2023, amount approximately $11,832. $11,832	Against Applicant	Credit Card Debt	Admitted	(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.