SF-86 Section 26: Financial Questions Explained
Section 26 is where many people slow down. The questions are specific, and the best answers come from records you gather in advance.
The Short Answer
Section 26 of the SF-86 asks about your financial record. Most questions look back 7 years, and some ask about what's true right now. Financial issues are reviewed under Guideline F, Financial Considerations, in SEAD 4. That guideline also lists factors that can lessen a concern, such as good-faith efforts to resolve debts.
What Section 26 Asks About
| Topic | What to have ready |
|---|---|
| Bankruptcy | Type, court, case number, and dates |
| Gambling-related debt | Amounts and what you did about it |
| Taxes | Any failure to file or pay federal, state, or other taxes, and current status |
| Employer credit card | Any discipline for misuse of a work card |
| Credit counseling | Whether you're using a counseling service |
| Delinquent debts | Repossessions, defaults, collections, charge-offs, evictions, wage garnishments, and debts over 120 days late |
Gather Before You Answer
- Pull your free credit reports from all three bureaus at AnnualCreditReport.com.
- For each item, note the creditor, approximate amount, dates, and current status.
- Save proof of payment plans, settlements, or payoffs.
- Check your tax transcripts if you aren't sure what was filed.
Answer Fully and Explain
The form gives you space to explain each item. A clear, accurate answer with what you've done to fix it is far better than leaving something out. Ask your FSO or security office if you're unsure whether something counts.
Keep a Private Record
ClearanceTrail's Finances tab tracks each item the section asks about, with optional approximate amounts. It stays encrypted on your device and is never shared.
Frequently Asked Questions
How far back does SF-86 Section 26 look?
Most questions cover the last 7 years. Some ask about your current status, such as debts you're over 120 days late on now.
Does debt automatically disqualify someone?
No one can promise an outcome. SEAD 4 Guideline F lists both concerns and mitigating factors, such as conditions beyond your control and good-faith efforts to repay.
Should I list a debt I'm already paying off?
Answer the question as written. If it applies, list it and explain the payment plan in the space provided.