KEYWORD: Guideline F; Guideline E
DIGEST: The Judge concluded that Applicant’s explanations for his omission s from his security
clearance application were not credible.  The Judge has to weigh the evidence as a whole and
decide whether the favorable evidence outweighs the unfavorable evidence or vice versa. 
Adverse decision affirmed.
CASENO: 08-07904.a1
DATE: 03/03/2010
DATE: March 3, 2010
In Re:
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Applicant for Security Clearance
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ISCR Case No. 08-07904
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro Se
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The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On April 28, 2009, DOHA issued a statement of reasons (SOR) advising Applicant of
the basis for that decision—security concerns raised under Guideline F (Financial Considerations)
and Guideline E (Personal Conduct) of Department of Defense Directive 5220.6 (Jan. 2, 1992, as
amended) (Directive).  Department Counsel requested a hearing.  On November 30, 2009, after the
hearing, Administrative Judge Marc E. Curry denied Applicant’s request for a security clearance.
Applicant appealed pursuant to the Directive ¶¶ E3.1.28 and E3.1.30.
Applicant raises the issue of whether the Judge’s decision is arbitrary, capricious, or contrary
to law.  For the following reasons, the Board affirms the Judge’s unfavorable decision. 
The Judge found that Applicant began to experience financial difficulties between 2004 and
2008, during which time Applicant accumulated approximately $33,000 in delinquent debt.
Approximately $29,000 of the debt resulted from deficiencies arising out of the voluntary
repossession of two automobiles. Applicant also has a $2,742 tuition payment delinquency from a
university.  Applicant attributes his financial problems to a series of family crises, including a
sibling’s cancer and subsequent death, his father’s stroke and subsequent death, and his marital
separation.  Applicant paid the funeral expenses of his deceased family members.  Applicant recently
consulted a financial counselor and has created a budget and a spending plan.  Applicant completed
a security clearance application in 2006.  In response to a question that required disclosure of such
information, Applicant did not list the fact that his security clearance had been suspended in 2000
and 2004.  Applicant characterized these omissions as mistakes caused by his preoccupation with
his family problems at the time he completed the application.  Applicant claimed he realized his
mistake shortly thereafter and intended to disclose the correct information upon meeting with an
investigating agent.  When Applicant met with the agent, he did not disclose the information because
his mind set was not very clear at the time.
The Judge concluded that, although Applicant had recently begun satisfying some of his
debts, the majority of his debts remain outstanding.  Applicant has yet to make plans to begin
satisfying a debt that constitutes more than a third of his total debt delinquency, and he recently
missed a payment toward the satisfaction of another debt despite the fact that his budget indicates
that he should have substantial income to pay his debts.  The Judge also concluded that Applicant’s
explanation for his omissions from his security clearance application was not credible.       
Applicant argues that financial circumstances and personal conduct are not conclusive to
provide an unfavorable decision to revoke or deny all security clearances.  Applicant asserts that
there appear to be many arguments in the Judge’s decision that are open to interpretation, which
should have led to a more favorable or conditional decision.  Applicant maintains that he never
intentionally concealed information on his security clearance application and that his efforts at debt
reduction should be mitigating.  These contentions 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.
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See, e.g., ISCR Case No. 06-10320 at 2 (App. Bd. Nov. 7, 2007).  A party’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 discussed the applicability of Guideline F mitigating conditions and
explained why, despite some evidence in mitigation, that mitigation was of insufficient strength to
overcome the government’s security concerns.  The Judge stressed the facts that Applicant’s debts
are largely unresolved and that the amount of disposable income listed in his current budget is not
an accurate barometer of Applicant’s financial well-being.  Regarding Guideline E, the Judge’s
conclusion that Applicant’s explanation for why he did not reveal required information was not
credible is sustainable on this record.
  
Applicant mentions the granting of a conditional clearance as a possible appropriate outcome
for this case.  Neither DOHA Hearing Office administrative judges nor the Board has the authority
to grant conditional clearances.  See, e.g., ISCR Case No. 02-32842 at 4 (App. Bd. Nov. 29, 2004).
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 is sustainable.
Order
The decision of the Judge denying Applicant a security clearance is AFFIRMED.
Signed: Jeffery D. Billett        
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
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Signed: Michael D. Hipple         
Michael D. Hipple
Administrative Judge
Member, Appeal Board
Signed: William S. Fields             
William S. Fields
Administrative Judge
Member, Appeal Board