How to get IRS Tax Transcript Online (for i-485 Filing)

Get IRS tax transcript online for i-485 filing or bank loan. Select 'return transcript' for immigration. SSN, credit card, address, US phone number needed to verify identity.

Am22tech
  By Am22tech    Updated  12 Oct, 20


IRS tax transcripts are required for i-485 filing. It should be your first preference to send transcripts instead of W2, 1040, or pay stubs.

Tax transcripts are available online as well as by postal mail. Online is fast and easy once you have created an online account on the IRS website.

IRS website has strict security and verifies your identity with various methods before letting you create an account.

You will need:

#Step 1Email Address

The first step is to verify the email. IRS sends you a code that you need to enter.

#Step 2Most recent Tax return details

Your First Name, Last Name, Date of birth, full address, and your SSN are required and it should match your most recent tax 1040 return.

IRS will ask you to enter this information after email verification.

#Step 3Credit Card / Home Mortgage Loan / Auto / Personal Loan number

Anyone of the visa, Mastercard, or Discover credit can be used.

IRS makes a soft inquiry on your credit file to very your identity. The inquiry will show up on your credit but will not reduce your credit score.

Debit cards or bank account information cannot be used here.

If you do not have any of the credit products, then your only option would be to use postal mail for transcripts.

Transcripts by post can take 7-10 days. If you cannot wait as your visa bulletin date might be running out, you can send the W2 and 1040 and then later submit the tax transcripts if you get an RFE.

#Step 4Valid US phone number on your own name

The last step is to verify your phone number.

Google Voice or a similar virtual number is not acceptable.

Once the phone is verified, the IRS will let you create an online account.

#Step 5 – Download Tax Transcript

Once your account has been created, you can immediately download all the tax transcripts easily.

Types of Transcript

IRS offers 4 types of typescript which may serve a different purpose. For filing an i-485 adjustment of status, we suggest to download all 4 types and send it with your application package.



IRS tax transcript
IRS tax transcript

#1 Return Transcript

Tax Return Transcripts show most line items from your tax return (Form 1040, 1040A, or 1040EZ) as it was originally filed, including any accompanying forms and schedules.

This transcript does not reflect any changes you, your representative, or the IRS made after you filed your return.

A ‘Return Transcript’ is good enough in most cases like bank loans including mortgages and student loans and immigration.

#2 Record of Account Transcript

Record of Account Transcripts combines the information from tax account and tax return transcripts.

#3 Account Transcript

Tax Account Transcripts provide any adjustments either you or we made after you filed your return.

This transcript shows basic data, including marital status, type of return filed, adjusted gross income, and taxable income.

#4 Wage & Income Transcript

Wage and Income Transcripts show data from information returns, such as W-2s, 1099s, and 1098s reported to the IRS.

The most recent year information may not be complete until July.

Names and Address Cut off On Transcript

Do not worry about the names and address cut off on the transcript.

It is normal and is done intentionally to protect your personally identifiable information.

FAQ

What is my Customer File Number for IRS Tax Transcript?

You can leave the customer file number empty for the purpose of getting transcript for immigration purpose.

This number is usually shared by a mortgage lender or other such financial institution who wants to verify your transcripts. They would share this number with you to match the transcripts later.

Transcript file download is not working? How to save it?

The transcript files are shown to you in XHTML format. The download might fail.

You should try the ‘print’ option and then save it as ‘PDF’ on your laptop, computer or mobile phone.

What is the purpose of IRS tax transcript for i-485 filing?

You should select the purpose of the transcript as ‘immigration’.

Are Tax transcripts mandatory or form 1040 can be used?

IRS tax transcripts should be your first preference. They are available free of cost and can be easily downloaded from the IRS website.

If you cannot get tax transcripts or running out of time to file your i485 application due to limited time left in current visa bulletin dates, you can submit your last year’s W2, tax return 1040, and pay stubs.

What type of transcript is required for i-485 Adjustment of Status?

The ‘return transcript’ is good for filing USA green card i-485 adjustment of status application.

Can one Tax Transcript be submitted for whole Family?

If you have filed your taxes as ‘married filing jointly’, then you can use the same tax transcript copy for whole family.

If you filed taxes individually, then each person in the family should get their own tax transcript from IRS website.

The kids are usually included on the separately filed tax return on either the father or mother’s tax return.




Author

Am22tech
  By Am22tech  

Recent discussion on forum

  1. zoomingrocket
    zoomingrocket

    Does any one get stuck at the mobile phone verification? I have tried multiple numbers but none worked!

    Seems like IRS tries to validate Name to CallerID and our long Indian name get truncated beyond 11characters so validation fails.

    Only alternative is to receive a code in postal mail, but seems like that also not possible right now as IRS is not mailing anything physically due to pandemic!

    Seems like we are stuck with no transcript for I-944 :man_facepalming:


  2. anil_am22
    anil_am22

    What network provider do you have?

    You have to check the legal name that you gave to your provider like T-Mobile, Verizon, AT&T, etc. while signing up for service.

    IRS validates the official legal record in your mobile service provider’s file with name and address on file to verify your identity. Everything should match.

    You can check it online on your provider’s website to see if there is any mismatch or not.

    As far as I know, it’s not the caller ID but the legal data that you gave.


  3. seas
    seas

    I’m having the same issue and unable to resolve it. My address did change recently, but I’m unable to change it on the irs.gov.

    If I request them by mail, it will go to the old address, any solutions?

    Thank you.


  4. anil_am22
    anil_am22

    IRS should give you the option of a new mailing address.

    But, you will need to change address everywhere like the bank, credit card and phone to validate your identity correctly.


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