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Issue Encyclopedia · Guideline F · Financial

Auto Loan / Vehicle Repossession

What the decided record shows for this issue, computed from public DOHA hearing-level decisions. Descriptive history, not a prediction.

Does auto loan / vehicle repossession affect a security clearance?

Auto Loan / Vehicle Repossession is an issue decided under Guideline F, Financial. In the decided DOHA record it appears in 2,829 hearing-level cases, and 29% of the 2,829 decided ended with access granted (816 granted, 2,013 denied). The mitigating conditions judges credited most often, and example decisions either way, are below.

Basis: 2,829 decided hearing-level cases raising this issue. Descriptive history of decided cases, not a prediction.

More questions people ask the record

Decided cases

2,829

hearing-level decisions raising this issue

Granted

29%

816 granted · 2,013 denied or revoked

Official mitigating conditions cited

The formal mitigating conditions the case profiles identified on this issue, in cases that were granted and in cases that were denied. Each is shown with its paragraph number and a plain name. Read what each condition says.

  • ¶ 20(b) · Conditions largely beyond the person's control, met responsibly

    In granted cases
    334
    In denied cases
    26

  • ¶ 20(d) · A good-faith effort to repay or otherwise resolve the debts

    In granted cases
    318
    In denied cases
    37

  • ¶ 20(c) · Counseling received, with clear signs the problem is being resolved

    In granted cases
    216
    In denied cases
    24

  • ¶ 20(a) · So long ago, or so infrequent, that it is unlikely to recur

    In granted cases
    71
    In denied cases
    2

  • ¶ 20(e) · A reasonable and documented basis to dispute the debt

    In granted cases
    30
    In denied cases
    6

  • ¶ 20(g) · An arrangement made with the tax authority, and kept

    In granted cases
    20
    In denied cases
    6

Circumstances credited in granted cases

The specific circumstances the judge expressly credited among the granted cases on this issue where that detail was extracted.
  • debt paid in full · credited in 3 granted cases
  • chapter 13 bankruptcy · credited in 1 granted case
  • debt disputed with creditor · credited in 1 granted case
  • debt settlement · credited in 1 granted case
  • passage of time · credited in 1 granted case

Recent decided examples

  • ISCR Case No. 25-00873Granted2026

    Applicant, a 35 year old security officer for a DoD contractor, admitted nine Guideline F debts totaling about $39,000. The debts stemmed largely from unemployment, underemployment, a repossessed vehi…

  • ISCR Case No. 26-00412Granted2026

    Applicant, a 34 year old former Marine, received a favorable decision on Guideline F after admitting 12 delinquent debts totaling $64,154. The judge found the financial problems were caused largely by…

  • ISCR Case No. 26-00038Denied2026

    The applicant's security clearance was denied due to failure to mitigate financial concerns under Guideline F. The applicant admitted to multiple delinquent debts totaling over $47,000, including auto…

  • ISCR Case No. 25-01358Denied2026

    The case involves an applicant seeking security clearance who was denied due to significant financial issues, including failure to file tax returns for multiple years and substantial delinquent debts …

See all 2,829 decisions on this issue

Related issues under Guideline F

How these numbers are measured

Scope: decided hearing-level cases whose per-allegation profile records this issue, matched to the same issue value the search filters use, so a count here and a filtered search always agree. A case raising several issues counts under each one. The mitigating conditions and the credited circumstances below were extracted for a subset of the record, so both are counts of cases rather than rates. Pages exist only for issues with at least 25 decided cases, and † marks any split built on fewer than 20.

Reading the statistics

  • Granted = access granted or continued; Denied = denied or revoked.
  • Grant rate = granted ÷ (granted + denied).
  • † marks figures based on fewer than 20 cases, too few to be reliable.
  • Hovering any rate shows its statistical range (a 95% confidence interval).
  • Figures are descriptive counts over decided, public DOHA ISCR decisions, never predictions or assessments of any pending case.

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