IRS

Form 4506-T

Rev. 06/2024

Request for Transcript of Tax Return

Request a transcript of a previously filed tax return or tax account information.

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Plain English

Form 4506-T lets you request a free transcript of your past tax returns from the IRS. Lenders, mortgage companies, financial aid offices, and courts often ask for this as proof of your income or tax filing history.

Quick Facts

Who: Taxpayers who need a copy of their tax return transcript — often for mortgage applications, student loan (FAFSA) verification, or tax dispute resolution.
What: A request form for IRS tax return transcripts, account transcripts, wage and income transcripts, or a verification of nonfiling (shows you didn't file).
When: Anytime — transcripts are available for the current and past 3 tax years. Older transcripts require Form 4506 (actual copy of return).
Where: Mail or fax to the appropriate IRS address for your state. Or request online through IRS.gov Get Transcript — faster option.
Why: Mortgage lenders, student loan servicers, courts, and other institutions require official IRS transcript as proof of income, filing status, or nonfiling.
How: Select transcript type (return, account, or wage/income), specify tax year(s), and provide your name, SSN, address. Optionally designate a third-party recipient to receive the transcript directly.

Common Risks & Mistakes

  • •Requesting wrong transcript type — lenders usually need Return Transcript; account transcript shows payments/balance only
  • •Not allowing enough processing time — mail requests take 5-10 days; online request is instant
  • •Address mismatch with IRS records — the address on Form 4506-T must match the address on your last tax return
  • •Forgetting to designate third-party recipient — without Line 5b or 5c, transcript is sent to you, not the requester
  • •Expired signature — signatures older than 60 days are invalid and the request will be rejected

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Field-by-Field Guide

Taxpayer
Name & SSN on ReturnREQUIREDtext

Exact name and SSN as shown on the return being requested.

Spouse Name & SSN (if joint)text

Required for joint returns.

Request
Transcript TypeREQUIREDselect

Select: Return Transcript (line-by-line), Account Transcript (payments/balance), Record of Account, Wage & Income Transcript, or Verification of Nonfiling.

Tax YearREQUIREDtext

Tax period(s) being requested. Up to 4 years on one form.

e.g. 12/31/2023
Delivery
Third-Party Recipienttext

If sending directly to a lender or court: name, address, and phone number of recipient.

Sign
SignatureREQUIREDsignature

Taxpayer or authorized representative must sign.

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Form Stats

6
Fields
4
Required
4
Sections

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Disclaimer: We do not provide legal advice. We translate legal language into plain English and help you prepare for a conversation with a lawyer.