KEYWORD: Guideline F
DIGEST: The Judge found that Applicant did submit documentation of her payments or other
efforts at resolving her delinquent indebtedness.  Adverse decision affirmed.
CASENO: 09-04229.a1
DATE: 08/12/2010
DATE: August 12, 2010
In Re:
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Applicant for Security Clearance
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ISCR Case No. 09-04229
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro se
Applicant had provided corroborating evidence of payments made on accounts not cited in the SOR.  While1
such evidence is not without probative value, in the totality of the facts and circumstances of this case it adds little to the
case in mitigation.
  
2
The Defense Office of Hearings and Appeals (DOHA) declined to grant Applicant a security
clearance.  On January 19, 2010, 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 decision on the written record.  On May 24, 2010, after considering the record,
Administrative Judge LeRoy F. Foreman 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 the Judge erred in his application
of the pertinent mitigating conditions and whether the Judge’s whole-person analysis was erroneous.
Consistent with the following discussion, we affirm the Judge’s decision.
The Judge made the following pertinent findings of fact: Applicant is an administrative
assistant for a Defense contractor.  She has attended college but has not received a degree.
Applicant has numerous delinquent debts totaling about $44,000.  She attributed her financial
problems to poor judgement and a lack of understanding.  She enrolled in a debt management
program but terminated her contract because it was too expensive.  Applicant did not provide any
documentary proof of settlement negotiations, payment plans, or payments made.  In the Analysis
portion of the decision, the Judge stated that Applicant had not established a track record of financial
responsibility.
In her appeal brief, Applicant contends that she has paid off some of her debts and has
submitted all the documentation in her possession regarding her debts.  However, her presentation
on appeal does not undermine the Judge’s adverse findings concerning all but one of the debts
alleged in the SOR.  Neither does it undermine his statement that Applicant submitted little by way
of corroborating evidence, such as evidence of payments made on debts cited in the SOR, settlement
agreements, etc.   Applicant takes issue with the Judge’s conclusion that insufficient time has passed1
to demonstrate a track record of debt repayment.  However, our review of the record supports this
conclusion.
After reviewing the record, the Board concludes that the Judge examined the relevant data
and articulated a satisfactory explanation for the decision, “including a ‘rational connection between
the facts found and the choice made, both as to the mitigating conditions and the whole-person
factors.’”  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 adverse decision is sustainable on this record.  “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). 
3
Order
The Judge’s adverse security clearance decision is AFFIRMED.  
Signed: Michael Y. Ra’anan          
Michael Y. Ra’anan
Administrative Judge
Chairperson, 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