KEYWORD: Guideline F; Guideline E; Guideline J
DIGEST: The Judge concluded that Applicant’s efforts to address his delinquent debt, while
representing a good start, were not sufficient to mitigate the Guideline F security concerns in his
case.  Adverse decision affirmed.
CASENO: 07-07883.a1
DATE: 03/09/2009
DATE: March 9, 2009
In Re:
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Applicant for Security Clearance
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ISCR Case No. 07-07883
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro Se
The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On June 9, 2008, DOHA issued a statement of reasons (SOR) advising Applicant of the
basis for that decision—security concerns raised under Guideline F (Financial Considerations),
Guideline E (Personal Conduct), and Guideline J (Criminal Conduct) of Department of Defense
Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant requested a hearing.  On January
The Judge ruled in Applicant’s favor regarding the SOR allegations under Guidelines E and J.  Those favorable1
rulings are not at issue on appeal.
9, 2009, after the hearing, Administrative Judge Michael H. Leonard denied Applicant’s request for
a security clearance.  Applicant timely appealed pursuant to the Directive ¶¶ E3.1.28 and E3.1.30.
Applicant raises the following issue on appeal: whether the Judge’s decision is arbitrary,
capricious, and contrary to law.  For the following reasons, the Board affirms the Judge’s
unfavorable decision.  1
Applicant asserts that he is a responsible, trustworthy person, and the fact that he has
financial problems does not mean that he would jeopardize his security clearance.  Applicant
maintains that he is acting responsibly to correct his debt delinquencies and is making payments to
retire his debts.  These assertions do not establish error on the part of the Judge.  
The presence of some mitigating evidence does not alone compel the Judge to make a
favorable security clearance decision.  As the trier of fact, the Judge has to weigh the evidence as a
whole and decide whether the favorable evidence outweighs the unfavorable evidence, or vice versa.
See, e.g., ISCR Case No. 06-10320 at 2 (App. Bd. Nov. 7, 2007).  A party’s’s disagreement with the
Judge’s weighing of the evidence, or an ability to argue for a different interpretation of the evidence,
is not sufficient to demonstrate the Judge weighed the evidence or reached conclusions in a manner
that is arbitrary, capricious, or contrary to law.  See, e.g., ISCR Case No. 06-17409 at 3 (App. Bd.
Oct. 12, 2007).  
In this case, the Judge weighed the mitigating evidence offered by Applicant against the
seriousness of the disqualifying conduct and considered the possible application of relevant
conditions and factors.  He concluded that, notwithstanding the partial applicability of two Guideline
F Mitigating Factors, the evidence in mitigation was of insufficient strength to overcome the
government’s security concerns.  Specifically, the Judge noted that Applicant’s repayment efforts
represent a good start, but his record of repayment has been skimpy to date and Applicant has made
little progress in light of the overall size of his indebtedness.  These conclusions are reasonably
supported by the record.  The Judge also considered Applicant’s service to the country in his whole
person analysis.
The Board does not review a case de novo.  The favorable evidence cited by Applicant is not
sufficient to demonstrate the Judge’s decision is arbitrary, capricious, or contrary to law.  See, e.g.,
ISCR Case No. 06-11172 at 3 (App. Bd. Sep. 4, 2007).  After reviewing the record, the Board
concludes that the Judge examined the relevant data and articulated a satisfactory explanation for
his decision, “including a ‘rational connection between the facts found and the choice made.’” 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)).  “The general
standard is that a clearance may be granted only when ‘clearly consistent with the interests of the
national security.’” Department of the Navy v. Egan, 484 U.S. 518, 528 (1988).  Therefore, the
Judge’s ultimate unfavorable security clearance decision under Guideline F is sustainable.
Order
The decision of the Judge denying Applicant a security clearance is AFFIRMED.
Signed: Michael Y. Ra’anan        
Michael Y. Ra’anan
Administrative Judge
Chairman, Appeal Board
Signed: Jeffrey D. Billett              
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
Signed: Michael D. Hipple           
Michael D. Hipple  
Administrative Judge
Member, Appeal Board