Missing Credit Information

Kim Lankford helps a reader repair her credit score after she discovered her credit report was missing years of her credit history.

When TransUnion recently pulled my credit report, it showed very old personal information and gave me a credit score of zero. I am 48, have an active credit history, and my other credit reports were accurate. When I called TransUnion, I was told I'd have to contact all my creditors and have them report the information to TransUnion. How can I fix this situation?

You were misinformed. The information missing from your report was from major banks, including Citibank and Bank of America, so it should have been included. "This was not an optimal customer-service experience," Steven Katz of TransUnion's TrueCredit.com, admitted to us.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.