Photograph Credit: Fotolia

Losing thing makes me obsessed with finding the item. It’s like everything else gets blocked from my mind until I find the object.

Thankfully, this does not happen often. When it occurs, I will not stop until I find it which was the case with missing a requested credit report.

Missing a Requested Credit Report

In preparing to check our second round of credit reports, I checked our credit report file for the dates of our last reports.

As I looked, I was shocked to discover that the TransUnion report I ordered back in February was missing. OH, NO!!

In working through my panic, I checked the entire file opening and the surrounding sections. Not finding the report, I checked my desk where visions of tossing it in the trash enter my thought processes.

By now, I had worked myself up thinking of worst-case scenarios. Concerned that our mail might have been stolen, I contacted TransUnion.

To my relief, they never received my request, so no missing report. Aah . . . the sigh that relieved my panicked-stricken heart and lowered my blood pressure all at the same time. Whew!

Adjusting after Missing a Requested Credit Report

Now what to do? If I requested a new report, then I will need to reconfigure my rotation schedule. In considering other options, I turned to my FREE credit score with Credit Karma.

When I check my credit score, I can generate a FREE credit report through my account. Because Credit Karma is not a reporting agency or credit bureau, I can request my FREE credit score on time next year through AnnualCreditReport.com or 1-877-322-8228.

Though I was missing a requested report, the information was not relayed from Annual Credit Report to TransUnion. Thankful that my report was not in someone else’s hands, I have now added to my calendar an entry 3 weeks after requesting my credit report. The entry reminds me to check for those reports. This way, I can contact the company immediately to check on the status.

As you organize or maintain your important documents, check on your credit report order placement. If you are missing a requested report after searching your home, then contact the company to inquire. If they sent it and you did not receive it, then report it missing.

If you missed your scheduled time period, then check Credit Karma for TransUnion or Quizzle for Experian before requesting a credit report. By checking Credit Karma, I saved money, energy, and time from ordering another one and disrupting my schedule.

For those of you who request your FREE credit reports through the link on-line, you won’t find yourself missing a requested credit report. After this experience, the on-line option is beginning to look like a better way, but I’m not quite there yet. Happy requesting!

Question: Have you experienced the panic of missing a requested credit report?