KEYWORD: Guideline F
DIGEST: Although Department Counsel correctly points out that the Judge’s analysis and
application of the statute of limitation is erroneous in the security clearance adjudication context,
the error is harmless in this case in light of the totality of the record evidence.  Favorable decision
affirmed.
CASENO: 07-11814.a2
DATE: 12/29/2008
DATE: December 29, 2008
In Re:
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Applicant for Security Clearance
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ISCR Case No. 07-11814
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
Gina L. Marine, Esq., Department Counsel
FOR APPLICANT
Pro Se
2
The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On November 26,  2007, DOHA issued a statement of reasons (SOR) advising Applicant
of the basis for that decision–security concerns raised under Guideline F (Financial Considerations)
of Department of Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant
requested a hearing.  On May 14, 2008, after the hearing, Administrative Judge Mary E. Henry
granted Applicant’s request for a security clearance.  Department Counsel filed a timely appeal
pursuant to Directive ¶¶  E3.1.28 and E3.1.30.  On August 29, 2008, the Board remanded the case
to the Judge for a new decision.  On September 16, 2008, the Judge issued her decision on remand.
Department Counsel again filed a timely appeal pursuant to the Directive.
Department Counsel raised the following issues on appeal: whether certain of the Judge’s
findings of fact are supported by substantial record evidence and whether the Judge’s whole-person
analysis is unsustainable.  Finding no harmful error, we affirm.
The Judge made the following pertinent findings of fact: 
Applicant has numerous delinquent debts arising from a romantic relationship that she
terminated in 2000.  Although she attempted to pay the debts, she defaulted on some of them,
receiving no assistance from her former partner.  While Applicant acknowledges some of the debts,
she disagrees with others.  She completed an Associate Degree in Applied Science in 2005 and
“incurred no unpaid debts for her education.”  Decision at 3.  She has purchased a modular home for
herself and her children and is current on her mortgage payments.  She has paid off a recent
automobile loan and has opened credit card accounts in the three years preceding the decision, for
which she makes timely payments. 
In performing her whole-person analysis, the Judge relied on record evidence of Applicant’s
having (1) achieved financial stability; (2) lived within her means in recent years; (3) purchased a
home; (4) earned a college degree; and (5) established a good record of employment.  The Judge also
considered, inter alia, the extent to which Applicant’s financial problems were rooted in the conduct
of her former partner and that, as her children’s sole provider, she has had to make financial choices
with an eye toward their well-being.  The security concern under Guideline F is that delinquent debt
“may indicate poor self-control, lack of judgment, or unwillingness to abide by rules and
regulations[.]” Directive ¶ E2.18.  Given the record before her, the Judge has articulated a rational
explanation for her conclusion that Applicant had mitigated the security concern in her case.  See
Motor Vehicle Mfrs. Ass’n of the United States v. State Farm Mut. Auto. Ins. Co., 463 U.S. 29, 43
(1983)(quoting Burlington Truck Lines, Inc. v. United States, 371 U.S. 156, 168 (1962)).  
Department Counsel correctly points out that the Judge’s analysis and application of the
statute of limitations is erroneous in the security clearance adjudication context.  In this case,
however, the error is harmless, viewed in light of the totality of the record evidence.    
3
Order
The Judge’s favorable security clearance decision is AFFIRMED.
Signed: Michael Y. Ra’anan         
Michael Y. Ra’anan
Administrative Judge
Chairman, Appeal Board
Signed: William S. Fields             
William S. Fields
Administrative Judge
Member, Appeal Board
Signed; James E. Moody                  
James E. Moody
Administrative Judge
Member, Appeal Board