IRS Form 4506-T
Ask the IRS for a free transcript of your past tax return or account information.
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About IRS Form 4506-T
Form 4506-T, Request for Transcript of Tax Return, lets you ask the IRS for a transcript of a past return or account. Lenders and agencies often use it to verify income, and the transcript is provided at no charge. You can also ask the IRS to send the transcript to a third party.
This page is a general guide and a fillable helper, not tax advice. Always download and file the current official form from the IRS at https://www.irs.gov/forms-pubs/about-form-4506-t and confirm the fields match before you sign.
Who needs to complete it
- Taxpayers who need a transcript of a prior year return or account.
- People applying for a mortgage or loan whose lender asks for a tax transcript.
- Anyone directing the IRS to send transcript information to a third party.
- Filers who want a free record of what was reported rather than a full copy of the return.
How to fill out IRS Form 4506-T
- 1Enter your name and Social Security number or employer identification number as shown on the return, plus a spouse's details for a joint return.
- 2Enter your current address, and a previous address if it differs from the last return filed.
- 3If you want the transcript sent to a third party, enter their name, address, and any reference details.
- 4Check the box for the type of transcript you need, such as a return transcript or an account transcript.
- 5Enter the tax form number and the years or periods you are requesting.
- 6Read the signatory attestation and check the box confirming you are authorized to sign.
- 7Sign and date the form and include a phone number, then submit it by the method in the instructions.
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Frequently asked questions
What is the difference between a transcript and a copy of my return?
A transcript is a summary of key line items and is free, while a full copy of your filed return is requested on a different form and may have a fee. Many lenders accept a transcript. This is a general guide, not tax advice.
Can the IRS send the transcript to my lender?
Yes. You can list a third party on the form so the IRS sends the transcript to them. Fill in that section only if you want the information shared.
Which transcript type should I request?
It depends on what you need. A return transcript shows most line items as filed, and an account transcript shows changes after filing. Check the instructions or ask the party requesting it.
Is this the official IRS form?
This is a fillable helper. Always download and file the current official form from the IRS at https://www.irs.gov/forms-pubs/about-form-4506-t and confirm the fields match.