KEYWORD: Guideline F
DIGEST: The government is not precluded from making an adverse security clearance decision
even where an Applicant had previous favorable decisions.  Adverse decision affirmed.
CASENO: 14-02155.a1
DATE: 04/07/2015
DATE: April 7, 2015
In Re:
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Applicant for Security Clearance
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ISCR Case No. 14-02155
APPEAL BOARD DECISION
APPEARANCES
FOR GOVERNMENT
James B. Norman, Esq., Chief Department Counsel
FOR APPLICANT
Pro se
The Department of Defense (DoD) declined to grant Applicant a security clearance.  On July
10, 2014, DoD issued a statement of reasons (SOR) advising Applicant of the basis for that
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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 February 2, 2015, after the hearing, Defense Office of Hearings and Appeals (DOHA)
Administrative Judge Martin H. Mogul denied Applicant’s request for a security clearance.
Applicant appealed pursuant to Directive ¶¶ E3.1.28 and E3.1.30.
Applicant raised the following issue on appeal: whether the Judge’s adverse decision was
arbitrary, capricious, or contrary to law.  Consistent with the following, we affirm.
The Judge’s Findings of Fact
Applicant served in the Air National Guard for 25, years, retiring in 2014.  He has been
employed by a Defense contractor since 2009.  His SOR lists ten delinquent debts, for medical
expenses, collection accounts, etc.  The Judge found that Applicant had provided a credible reason
to have disputed one of the debts.  For the remainder, however, Applicant has either made no
payments or has reduced the debts by minimal amounts of $10 to $20.  He claims that his financial
problems arose in connection with his wife’s medical expenses and her unemployment.  Applicant
also acknowledges that he has been a poor record keeper, which had an impact on his finances.  He
states that he moved more than once, and some of his bills did not get forwarded.
Applicant enjoys an excellent reputation for his work ethic and for honesty.  His recent
performance review rates him as “Consistently Exceeds Expectations.”  Decision at 4.  He also
received several awards while in the Guard.
The Judge’s Analysis
The Judge resolved one of the allegations in Applicant’s favor, the collection account that
he had disputed.  For the remainder, however, the Judge concluded that Applicant had not mitigated
the concerns raised thereby.  He cited to circumstances outside Applicant’s control that affected his
debts but concluded that Applicant had not acted in a responsible manner to resolve them.  He stated
that Applicant had only recently begun to address his financial problems and that the “vast majority
of his debt [is] still outstanding.”  Decision at 6.  
Discussion
 Applicant cites to record evidence that was favorable to him, such as his efforts to track
down the proper owners of accounts that had been sold, his having held a clearance for many years,
and his military service.  His argument is not enough to rebut the presumption that the Judge
considered all of the evidence in the record.  See, e.g., ISCR Case No. 11-07094 at 2-3 (App. Bd.
Sep. 5, 2014).  Applicant notes that his financial problems had been addressed during a previous
clearance adjudication.  He contends that his difficulties are less severe now than they were during
the earlier case.  Accordingly, he argues that his current financial problems should not pose a barrier
between him and his security clearance.  We have previously noted that the Government is not
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precluded from making an adverse decision despite previous favorable ones.  See, e.g., ISCR Case
No. 11-07094, supra, at 3.  In the case before us, the Judge’s findings about the extent of Applicant’s
financial problems, the circumstances underlying them, and the dilatory nature of Applicant’s efforts
to correct them support his adverse decision.  Applicant contends that the Judge did not apply the
whole-person concept “strongly enough.”  Appeal Brief at 1.  The Decision contains a brief section
entitled “Whole-Person Concept.”  Decision at 6-7.  The Decision supports a conclusion that the
Judge considered Applicant’s conduct and circumstances as a totality, thereby complying with
Directive, Enclosure 2 ¶ 2(a).  See, e.g., ISCR Case No. 12-03077 at 2-3 (App. Bd. May 13, 2013).
   
The Judge examined the relevant data and articulated a satisfactory explanation for the
decision.  The 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).  See also Directive, Enclosure 2 ¶ 2(b):  “Any doubt
concerning personnel being considered for access to classified information will be resolved in favor
of the national security.”
Order
The Decision is AFFIRMED.  
Signed: Michael Ra’anan            
Michael Ra’anan
Administrative Judge
Chairperson, Appeal Board
Signed: Jeffrey D. Billett          
Jeffrey D. Billett
Administrative Judge
Member, Appeal Board
Signed: James E. Moody                
James E. Moody
Administrative Judge
Member, Appeal Board