Thank you, XXXXX XXXXX clearing that up.
The 4506-T is used to request a transcript of, among other things, the taxpayer's 1040.
It is used by mortgage lenders to cross check sources of income. Since you did not fill in for which years the lender could request a transcript, they could very well add 2010 in also. I am not trying to alarm you, but rather to alert you to this fact so that you can have a responsible reason to give them for not filing a return. If it is at all possible, I would file a tax return for 2010. Since you will eventually have to file one for that year unless you had no income in that year, you might as well file it now.
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