Issue Encyclopedia · Guideline F · Financial
Credit Card Debt
What the decided record shows for this issue, computed from public DOHA hearing-level decisions. Descriptive history, never a prediction.
Official mitigating conditions in play
The formal mitigating conditions (by official paragraph) that case profiles identified on this issue, in cases that were granted vs denied. Extracted for a subset of cases; counts are cases, not percentages of everything. Read what each condition says.
| Condition | In granted cases | In denied cases |
|---|---|---|
| ¶ 20(d) | 782 | 136 |
| ¶ 20(b) | 737 | 62 |
| ¶ 20(c) | 528 | 52 |
| ¶ 20(a) | 184 | 13 |
| ¶ 20(e) | 79 | 16 |
| ¶ 20(g) | 56 | 23 |
What judges credited in granted cases
Specific circumstances the judge expressly credited, among the granted cases on this issue where that detail was extracted (a subset of the record, so these are raw counts, not rates).
- debt paid in full · credited in 21 granted cases
- financial counseling · credited in 2 granted cases
- payment plan with creditor · credited in 2 granted cases
- chapter 13 bankruptcy · credited in 1 granted case
- chapter 7 bankruptcy · credited in 1 granted case
Recent decided examples
- ISCR 06-25552.h1 granted · 2007Applicant, a 57-year-old employee of a computer company contracted to a government contractor in the health care sector, faced trustworthiness concerns under Guideline F (Financial Considerations), Gu…
- ISCR 06-25906.h1 granted · 2007The applicant in this case was a 51-year-old telecommunications specialist seeking a security clearance. The Defense Office of Hearings and Appeals (DOHA) issued a Statement of Reasons (SOR) citing fi…
- ISCR 19-03625 denied · 2022The applicant in this case was a 52-year-old database administrator employed by a defense contractor, seeking to retain his secret security clearance. The adjudicative guideline at issue was Guideline…
- ISCR 23-01471 denied · 2025The applicant in this case was a 45-year-old technician employed by a government contractor, who sought a security clearance after submitting a security clearance application in August 2021. The Defen…
Related issues under Guideline F
- Medical Debt · 3,855 cases
- Unpaid Federal/State Taxes · 3,188 cases
- Auto Loan / Vehicle Repossession · 2,797 cases
- Utility / Phone / Cable Debt · 2,342 cases
- Student Loan Debt · 2,232 cases
- Mortgage / Home Loan Debt · 2,121 cases
Wondering how this issue plays against your own facts? Ask the assistant, or get a written, human-reviewed response through Answers. Descriptive research only: not legal advice or a prediction.