Lost Tax Records? Here’s How to Rebuild Your File

Life happens. Records get lost in moves, floods, divorces, or simply poor filing systems. But when it comes time to catch up on unfiled taxes, many people panic: “I don’t have my old W-2s or 1099s. What now?” The good news is that missing records don’t mean you’re stuck. There are proven ways to rebuild your file and get compliant.

Step 1: Request Your IRS Wage & Income Transcript

The IRS keeps copies of many forms that third parties file under your Social Security Number, including:

• W-2s from employers

• 1099s (contract income, bank interest, dividends, retirement distributions)

• 1098s (mortgage interest, tuition payments)

You can order these transcripts online or by mail. They often provide enough to start reconstructing your return.

Step 2: Use Bank & Credit Card Records

Deposits, withdrawals, and card statements can help piece together business or personal income and expenses. Even if you don’t have receipts, financial activity often leaves a clear trail.

Step 3: Contact Employers or Vendors

Past employers, clients, or lenders can reissue statements or records. While this can take time, it often fills in critical gaps.

Step 4: Estimate When Necessary (with Support)

The IRS allows reasonable estimates when exact records aren’t available, as long as you can back them up.

Step 5: Document Your Efforts

Keep notes on how you reconstructed records. Showing that you made a genuine effort goes a long way if the IRS has questions later.

Missing records don’t mean you’re trapped. With transcripts, financial data, and professional guidance, you can rebuild your tax history and move forward. If you’ve lost your tax records, we can help reconstruct your returns and make sure you’re filing with confidence—not guesswork. Fill out this form below and a member of our team will be in touch shortly: