KEYWORD: Guideline F
DIGEST: The Judge’s material findings of security concern are sustainable Applicant’s appeal
presentation does not rebut the presumption that a Judge is impartial and unbiased.  Adverse
decision affirmed.
CASENO: 08-07264
DATE: 10/15/2009
DATE: October 15, 2009
In Re:
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Applicant for Security Clearance
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ISCR Case No. 08-07264
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 October 22, 2008, DOHA issued a statement of reasons (SOR) advising Applicant
of the basis for that decision–security concerns raised under Guideline F (Financial Considerations)
Applicant “sent letters to some of his creditors with $100 payments to totally resolve his debts.  Applicant has1
not made any other payments, nor has he made any other effort to resolve these delinquent debts . . . He believes he is
not responsible for all the debt he incurred . . . Applicant’s attitude towards following rules, acting responsibly, and
exercising good judgment is troubling and a serious security concern.”  Decision at 11.    
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of Department of Defense Directive 5220.6 (Jan. 2, 1992, as amended) (Directive).  Applicant
requested a hearing.  On May 7, 2009, after the hearing, Administrative Judge Carol G. Ricciardello
denied Applicant’s request for a security clearance.  Applicant appealed pursuant to Directive ¶¶
E3.1.28 and E3.1.30.
Applicant raised the following issues on appeal: whether certain of the Judge’s findings of
fact were based upon substantial record evidence and whether the Judge’s adverse security clearance
decision is arbitrary, capricious, or contrary to law.  The Board also construes Applicant’s brief as
challenging the Judge’s impartiality.  Finding no error, we affirm.
The Judge made the following pertinent findings of fact: Applicant is 59 years old and an
employee of a federal contractor.  The information technology (IT) industry in which Applicant
worked experienced a severe downturn in the early 2000s, and Applicant subsequently endured
periods of unemployment.  When he did work Applicant earned less than he had when the industry
was at its peak.  When not working, Applicant would pay his living expenses with credit cards.
Applicant had credit cards with four creditors, each listed in an allegation in the SOR.  His credit
card debts have become delinquent, the total amount of the delinquency being $109,000.  
Additionally, Applicant did not file federal income tax returns for 2006 and 2007.  In the
Analysis portion of the decision, the Judge noted that the crash in the IT industry was a circumstance
beyond Applicant’s control which affected his financial condition.  See Directive ¶ E2.20(b).
However, she went on to state that Applicant had provided no evidence (1) that he had sought
financial counseling; (2) that he had initiated a good-faith effort to resolve his debts; or (3) that his
creditors considered the debts resolved.   1
Applicant makes numerous assertions, based on what he contends are legal principles
applicable to his case, in support of the proposition that he does not owe various debts.  Applicant
has failed to demonstrate that the Judge’s findings and conclusions regarding his debts are erroneous.
After reviewing the record, the Board concludes that the Judge’s material findings are based on
substantial evidence, or constitute reasonable characterizations or inferences that could be drawn
from the record.  For example, Applicant challenges the Judge’s findings that his current salary is
$138,000 a year and that he failed to file income tax returns.  He also claims that his credit reports
contain errors.  Considering the record evidence as a whole, the Judge’s material findings of security
concern are sustainable.  Applicant has not identified any harmful error likely to change the outcome
of the case.  See, e.g., ISCR Case No. 06-21025 at 2 (App. Bd. Oct. 9, 2007).  There is a rebuttable
presumption that a Judge is impartial and unbiased.  Applicant’s presentation on appeal is not
sufficient to rebut that heavy presumption.  See, e.g., ISCR Case No. 07-02253 at 3 (App. Bd. Mar.
28, 2008); ISCR Case No. 02-08032 at 4 (App. Bd. May 14, 2004).
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Furthermore, the Board concludes that the Judge has  articulated a satisfactory explanation
for the 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
Judge’s decision that “it is not clearly consistent with the interests of national security to grant
Applicant eligibility for a security clearance” is sustainable on this record.  Decision at 11.  See also
Department of the Navy v. Egan, 484 U.S. 518, 528 (1988) (“The general standard is that a clearance
may be granted only when ‘clearly consistent with the interests of the national security.’”). 
Order
The Judge’s adverse security clearance decision is AFFIRMED.
Signed: Jeffrey D. Billett                 
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
Signed: Jean E. Smallin                     
Jean E. Smallin
Administrative Judge
Member, Appeal Board
Signed: James E. Moody                    
James E. Moody
Administrative Judge
Member, Appeal Board