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IRS Form 4506-T – Navigating IRS forms can be daunting, but understanding IRS Form 4506-T is essential if you need to request tax transcripts for purposes like loan applications, financial aid, or verifying income. This comprehensive guide covers everything you need to know about Form 4506-T, including its purpose, step-by-step filling instructions, where to download the PDF, and options for filing—including online alternatives since the form itself isn’t submitted digitally. Whether you’re a first-time filer or need a refresher, we’ll break it down simply and clearly.
What is IRS Form 4506-T?
IRS Form 4506-T, officially titled “Request for Transcript of Tax Return,” allows individuals and businesses to obtain free copies of their tax transcripts from the Internal Revenue Service (IRS). Unlike a full copy of your tax return (which requires Form 4506 and a fee), transcripts provide summarized information from your filed returns, such as adjusted gross income (AGI), payments, and adjustments. These are often used for:
- Verifying income for mortgages or loans
- Applying for student financial aid
- Resolving tax disputes
- Proving non-filing status
Transcripts are privacy-protected, showing only partial personal details like the last four digits of your Social Security Number (SSN). If you’re unsure which transcript to request, opt for the “Record of Account” as it offers the most comprehensive details.
Types of Tax Transcripts Available with Form 4506-T
Form 4506-T lets you request several types of transcripts, each serving different needs:
- Tax Return Transcript: Displays most line items from your original tax return, including AGI, but not post-filing changes. Available for the current year and the prior three years.
- Tax Account Transcript: Shows basic data like marital status, taxable income, and account adjustments (e.g., penalties or payments).
- Record of Account Transcript: Combines the Tax Return and Tax Account transcripts for a full overview.
- Wage and Income Transcript: Includes data from forms like W-2, 1099, 1098, and 5498. Available for up to 10 years, but current-year info is typically ready the following year.
- Verification of Non-Filing Letter: Proves no tax return was filed for a specific year (available after June 15 for the current year).
Note: State or local tax info isn’t included, and for original W-2 or 1099 copies, contact the issuer directly.
Who Needs to Use IRS Form 4506-T?
You might need Form 4506-T if you can’t access transcripts online or require them mailed to you. Common users include:
- Individuals verifying income for banks or lenders
- Students or parents applying for FAFSA or scholarships
- Businesses requesting transcripts for entity returns
- Those needing proof of non-filing for immigration or legal purposes
If you’re filing for a fiscal year (not calendar year), this form is required for return transcripts.
Step-by-Step Instructions for Filling Out IRS Form 4506-T
Filling out Form 4506-T is straightforward, but accuracy is key to avoid rejections. Here’s a line-by-line guide based on the official instructions:
- Line 1a and 1b: Enter the primary taxpayer’s name as shown on the tax return and their SSN, ITIN, or EIN (use EIN for business returns).
- Line 2a and 2b: For joint returns, add the spouse’s name and SSN/ITIN.
- Line 3: Provide your current address, including any apartment or suite number.
- Line 4: If your address has changed since your last filing, enter the previous address here. Update your address with the IRS using Form 8822 if needed.
- Line 5: Optional—enter up to 10 digits for a Customer File Number (e.g., a loan application ID) to appear on the transcript. Avoid using your SSN here.
- Line 6: Specify the tax form number (e.g., 1040) and check the box for the transcript type (a, b, or c). Only one form number per request.
- Line 7: Check for a Verification of Non-Filing Letter.
- Line 8: Check for a Wage and Income Transcript.
- Line 9: Enter the tax year or period in MM/DD/YYYY format (e.g., 12/31/2025 for calendar year 2025). For quarters, list each separately.
- Signature Section: Sign and date the form. For joint returns, at least one spouse must sign. Include a phone number and check the box attesting to your authority. The form must be received by the IRS within 120 days of signing.
Tips for Completion:
- Don’t sign until all lines are filled.
- If authorizing a third party, use Form 2848.
- For businesses or estates, attach proof of authority.
How to Download the IRS Form 4506-T PDF?
The latest version of Form 4506-T is available directly from the IRS website. Download it here: IRS Form 4506-T PDF. Always use the most current revision (as of 2025, it’s the April 2025 edition) to ensure compliance. The PDF includes built-in instructions on page 2.
How to File IRS Form 4506-T: Mail, Fax, or Online Options
Form 4506-T cannot be filed electronically; it must be submitted by mail or fax. However, many taxpayers can bypass the form entirely by requesting transcripts online for faster access.
Mailing or Faxing Form 4506-T
Use the appropriate IRS address based on your state or the type of transcript:
| Transcript Type | States/Areas | Mailing Address | Fax Number |
|---|---|---|---|
| Individual (1040, W-2, etc.) | AL, AZ, AR, FL, GA, LA, MS, NM, NC, OK, SC, TN, TX, foreign, territories | IRS RAIVS Team, Stop 6716 AUSC, Austin, TX 73301 | 855-587-9604 |
| Individual | CT, DE, DC, IL, IN, IA, KY, ME, MD, MA, MN, MO, NH, NJ, NY, PA, RI, VT, VA, WV, WI | IRS RAIVS Team, Stop 6705 S-2, Kansas City, MO 64999 | 855-821-0094 |
| Individual | AK, CA, CO, HI, ID, KS, MI, MT, NE, NV, ND, OH, OR, SD, UT, WA, WY | IRS RAIVS Team, P.O. Box 9941, Mail Stop 6734, Ogden, UT 84409 | 855-298-1145 |
| All Other (Business, etc.) | AL, AK, AZ, AR, CA, CO, FL, HI, ID, IA, KS, LA, MN, MS, MO, MT, NE, NV, NM, ND, OK, OR, SD, TX, UT, WA, WY, foreign | IRS RAIVS Team, P.O. Box 9941, Mail Stop 6734, Ogden, UT 84409 | 855-298-1145 |
| All Other | CT, DE, DC, GA, IL, IN, KY, ME, MD, MA, MI, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, WV, WI | IRS RAIVS Team, Stop 6705 S-2, Kansas City, MO 64999 | 855-821-0094 |
If requesting multiple types, use the address for your most recent return. Processing takes about 10 business days.
Filing Online: Alternatives to Form 4506-T
While you can’t file Form 4506-T online, you can request transcripts digitally through the IRS’s “Get Transcript” tool. This is faster (immediate access) and free:
- Go to IRS Get Transcript.
- Create or log into your Individual Online Account.
- Verify your identity (may require credit info or prior tax data).
- View, print, or download available transcripts.
Requirements: A valid email, SSN/ITIN, and access to financial info for verification. Availability depends on your filing method—e-filed returns are quicker.
Differences: Online is instant but limited to self-access; Form 4506-T allows mailing to your address and includes all types, including for third parties via the IVES program.
For phone requests, call 1-800-908-9946.
Processing Time, Fees, and Tips
- Processing Time: 10 business days for mailed/faxed requests; instant for online.
- Fees: Free for transcripts (unlike full returns via Form 4506, which costs $43).
- Tips: Update your address before requesting. If rejected, check for incomplete fields or expired signature. For third-party access, consider the IRS Income Verification Express Service (IVES). Recent updates: No major changes as of 2026, but always check IRS.gov for developments.
Frequently Asked Questions About IRS Form 4506-T
Can I file Form 4506-T online?
No, but use the IRS online tool for instant transcripts.
What’s the difference between Form 4506-T and 4506?
Form 4506-T is for free transcripts; Form 4506 is for paid full copies.
How long are transcripts available?
Up to 10 years for wage/income; 3-4 years for returns.
What if I need transcripts for a business?
Use EIN on Line 1b and follow the business chart for submission.
For more help, visit IRS.gov or consult a tax professional. This guide uses the latest 2025-2026 information to ensure accuracy.