How to get your IRS tax transcript
An IRS transcript is a free official summary of your tax information. Lenders, immigration filings, and schools often ask for one. This guide covers the five transcript types, how to request each, and which one you actually need. It works with an ITIN.
The 5 transcript types
| Transcript | What it shows | Years available |
|---|---|---|
| Tax Return Transcript | Most line items from your original return — common for mortgages and financial aid | Current + 3 prior years |
| Tax Account Transcript | Filing status, AGI, taxable income, payments, and any changes made after filing | Current + several prior years |
| Record of Account Transcript | Combines the return + account transcripts in one document | Current + 3 prior years |
| Wage and Income Transcript | Data from W-2, 1099, 1098, and 5498 forms reported to the IRS | Up to 10 prior years |
| Verification of Non-filing Letter | Proof the IRS has no record of a filed return for a year | Requested per year |
Three free ways to get it
| Method | Speed | What you need |
|---|---|---|
| Get Transcript Online (irs.gov) | Instant PDF | ID.me identity verification |
| Get Transcript by Mail / phone (1-800-908-9946) | 5-10 calendar days | SSN or ITIN, date of birth, and the mailing address from your latest return |
| Form 4506-T | By mail | Completed form (use 4506T-EZ for a return transcript only) |
A transcript is always free. An exact copy of your filed return (Form 4506) costs a fee and is rarely what’s required.
Which transcript do you need?
- Mortgage or loan → Tax Return Transcript (lenders often verify directly through IRS Income Verification).
- Financial aid / FAFSA → Tax Return Transcript.
- Confirm reported income (missing W-2/1099) → Wage and Income Transcript.
- Prove you didn’t have to file → Verification of Non-filing Letter.
- See payments or post-filing changes → Tax Account or Record of Account Transcript.
Tips for ITIN filers
- The online tool needs ID.me identity verification, which can be difficult without certain U.S. credit history. If it fails, switch to Get Transcript by Mail, the phone line, or Form 4506-T — all accept an ITIN.
- Make sure the mailing address you enter matches the address on your most recent return, or the mailed transcript request will be rejected.
Related information
- Filing taxes with an ITIN
- How to apply for an ITIN (Form W-7)
- Affidavit of support (Form I-864) — often needs tax transcripts
- Tax credits for ITIN holders (2026)
Official source: IRS — Get Transcript
Last verified: 2026-06-04.
General information, not tax advice. Verify current procedures only on the official IRS site (irs.gov). For complex situations, consult a credentialed tax professional (CAA, Enrolled Agent, or CPA).