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ISCR Case 25-00992 — CASE

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ISCR Case 25-00992

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

Case Profile
Decision Date3/5/2026
Statusdenied
LevelHEARING
TypeSTANDARD ISCR
Participants
Applicant Representation: Pro Se
Judge: Jeff A. Nagel
Government Counsel: Tova Minster
Case Summary
The applicant in this case was a 62-year-old client manager for a defense contractor, who had previously served in the United States Navy. The Department of Defense issued a Statement of Reasons (SOR) citing security concerns under Guideline F (Financial Considerations), alleging six delinquent debts totaling approximately $70,000, which included charge-offs and collections. The applicant admitted to all allegations in the SOR.
Key facts revealed that the applicant had experienced periods of unemployment that contributed to her financial difficulties, leading her to rely on credit cards for basic living expenses. Despite acknowledging her debts, she had not taken any significant action to resolve them, claiming she intended to seek financial guidance and participate in a debt relief program, but no evidence supported these claims. The administrative judge found that the applicant's financial issues were ongoing and unresolved, which raised concerns about her reliability and judgment.
Ultimately, the administrative judge ruled against the applicant, concluding that she did not mitigate the financial considerations security concerns. The judge emphasized that the applicant's lack of action to address her substantial debts continued to cast doubt on her trustworthiness and suitability for a security clearance, leading to the denial of her eligibility for access to classified information.
Guidelines Evaluated
- Guideline FFinancial Considerations · Against Applicant
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Case Headnote

ISCR Case No. 25-00992

deniedMar 5, 2026· Hon. Jeff A. Nagel· hearing

Summary

A 62-year-old client manager and Navy veteran was denied a security clearance under Guideline F (Financial Considerations) due to approximately $70,000 in unresolved financial issues. The applicant admitted to the debts, attributing her financial distress to periods of unemployment.

The Statement of Reasons detailed six specific debts: approximately $19,469 to Navy FCU, $18,318 to Discover PL, $12,709 to JPMCB Card, $11,058 to DiscoverCard, $5,894 to CBNA, and $2,782 to 1st Franklin. These accounts were either charged off or placed for collection.

The denial was based on the applicant's failure to demonstrate a good-faith effort to resolve these debts or seek financial guidance. The ongoing financial issues raised significant concerns regarding her reliability and trustworthiness, leading to the denial of her security clearance.

Why the Applicant Was Denied

The applicant admitted to multiple delinquent debts totaling approximately $70,000.
The applicant failed to demonstrate a good-faith effort to resolve her debts or seek financial guidance.
The ongoing financial issues raised significant concerns regarding the applicant's reliability and trustworthiness.

Conditions Referenced

Disqualifying

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

Key Rule Quoted

“Failure to live within one’s means, satisfy debts, and meet financial obligations may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and regulations, all of which can raise questions about an individual’s reliability, trustworthiness, and ability to protect classified or sensitive information.”

Procedural Posture

SOR issuedAug 6, 2025
Answer filedSep 17, 2025Requested decision on written record.
Hearing held—Decision made based on written record.
Decision dateMar 5, 2026

Cite For

Failure to Demonstrate Good-faith Effort to Resolve Financial Issues
Impact of Financial Distress on Reliability and Trustworthiness
Application of Guideline F in Security Clearance Determinations

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 applicant has multiple delinquent debts totaling approximately $70,000, including charge-offs and collections. The judge found all allegations against the applicant, citing a history of financial problems and failure to take action on the debts as significant concerns.

¶	Allegation	Finding	Type	Response	Disqualifying (¶19)	Mitigating applied (¶20)	Mitigation
1.a	Applicant has a debt to NAVY FCU on an account that has been placed for collection in the approximate amount of $19,469. $19,469	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Debt Disputed with Creditor
1.b	Applicant has a debt to DISCOVER PL on an account that has been charged off in the approximate amount of $18,318. $18,318	Against Applicant	Personal Loan Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Debt Disputed with Creditor
1.c	Applicant has a debt to JPMCB CARD on an account that has been placed for collection in the approximate amount of $12,709. $12,709	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Financial Counseling
1.d	Applicant has a debt to DISCOVERCARD on an account that has been charged off in the approximate amount of $11,058. $11,058	Against Applicant	Credit Card Debt	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	Claimed Financial Counseling
1.e	Applicant has a debt to CBNA on an account that has been placed for collection in the approximate amount of $5,894. $5,894	Against Applicant	Unspecified Financial	Admitted	(a) inability to satisfy debts (c) a history of not meeting financial obligations	—	—
1.f	Applicant has a debt to 1ST FRANKLIN on a personal loan account that has been placed for collection in the approximate amount of $2,782. $2,782	Against Applicant	Personal Loan 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.