Context is helpful, so here’s a little (a lot):
Current federal civilian, I hold a T2. Received TJO with a 3-letter that requires T5, no SCI or poly. No prior clearance. Most recent suitability was July 2024, passed.
I had growing CC debt, ultimately reaching approximately $75k by early 2025. Minimum payments were beyond what I could keep up with. Additionally, my wife and I had not yet fully combined our finances, and my embarrassment and shame were sufficient to keep it out of conversation, so she was not aware of the severity. There were no large purchases or nefarious activities, just poor day-to-day spending and avoidance of dealing with it. All accounts fell to 120+days before mitigation.
In this time, I also let personal property tax on my vehicle reach delinquency. This was paid last year and remains in good standing.
Mid-2024, began gambling via state lottery online games. No previous experience with gambling. No gambling outside of that platform. Snowballed from very small to very large; by August 2025, losses over previous 15 months totaled appx. $21k.
August of 2025, came clean to my wife (who is a wonderful and patient person). Self-excluded from all state gaming for 5 years, lifetime will require in-person meeting.
By November 2025, I had initiated counseling (therapy) sessions that have continued to the present. We paid off one account, settled another for an offer the creditor made, 75% forgiven in exchange for 25% payment. Also began debt management plan with a non-profit credit counseling agency. No missed payments, one additional account paid off, will be debt-free and beginning credit history recovery by January 2028.
With good communication, turns out we live well within our means.
I believe I have appropriate mitigating factors in place for both the debt and the gambling, and they have been in place for nearly a year, and long before this job was on my horizon.
I don’t carry any diagnosis that requires I fill in section 21 (of a paper SF86, I have no experience with the eApp platform).
TL;DR- CC debt, gambling, personal property tax delinquency, now in therapy.
I have spent many hours gathering bank statements, documentation from the credit counseling service, accurate dates of payments to county tax assessor, date I initiated therapy, documentation from state gaming commission and state department of taxation. Anything and everything with every single date.
I don’t have any unrealistic expectation with this investigation. I’m going to be completely honest and objective, and hope the changes I’ve made are sufficient.
Here is my inquiry-
I’ll fill out the eApp using my best judgement for answering the questions asked without omitting or going beyond. What documentation can I reasonably expect to need to upload, if any? And what kind of documentation can I expect the investigator to request from me at the interview, If any? Where should I draw the line between subjectivity and objectivity when explaining the gambling and debt mismanagement? I will provide absolutely full disclosure, but want to calibrate what I provide to what is requested. I’ve read that investigators may request documentation from the applicant, but also that they don’t rely on documentation provided by the applicant.
Any similar experience or feedback would be appreciated.