I found that hard to believe and had Trans Union send a copy of what they had (or didn't have as it turned out). Sure enough, my credit file had vanished and the only thing on it at the time were the three inquiries of the place attempting to pull the bureau to extend credit to me. In November, I had a consumer disclosure run and it appeared as though Trans Union had "found me." Even still, there are mistakes (does that surprise us) as well as omissions. Now I just received the disclosure I had pulled last week and it differs a lot from the one I pulled in November. Omissions still omitted (good things were omitted that haven't been reported since prior to last August) and a few items that were there are now gone. Has anyone else ever gone through this with TU or any other bureau for that matter and how have you dealt with it? Someone I know had this happen to them while they were in the process of getting a mortgage and they said they had a miserable time getting the CRA to reconstruct their file. They are still working on fixing the mess. This really, really scares me to think we are at the mercy of the credit bureau in order to obtain credit and something like this can happen.