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Getting a PIN from the IRS

Understanding how to secure a PIN from the IRS can be essential for protecting your tax information and ensuring your tax filings are secure. This article provides a comprehensive guide on obtaining an IRS PIN, also known as the IP PIN (Identity Protection Personal Identification Number), which can safeguard your identity and streamline your interactions with the IRS.

What is an IP PIN?

An Identity Protection PIN (IP PIN) is a six-digit number assigned by the IRS to eligible taxpayers. It is designed to prevent the misuse of your Social Security number (SSN) on fraudulent federal income tax returns. By using an IP PIN, you add a layer of security to your tax account, making it more difficult for identity thieves to file false tax returns in your name. The IP PIN is used alongside your SSN when filing your taxes, greatly reducing the risk of identity theft.

Why You Might Need an IP PIN

Several scenarios might warrant the need for an IP PIN:

  • Victim of Tax-Related Identity Theft: If you’ve experienced identity theft related to your tax records, the IRS might have already assigned you an IP PIN, or you may be eligible to request one.
  • Additional Security: Even without a history of identity theft, obtaining an IP PIN can provide peace of mind by securing your tax filings against potential fraud.
  • Voluntary Use: As of the latest IRS updates, taxpayers can voluntarily apply for an IP PIN, even if they haven’t been victims of identity theft, as a proactive measure against potential fraud.

How to Obtain an IP PIN

Understanding the Application Process

Applying for an IP PIN involves several steps and requires verifying your identity with the IRS. Here’s a detailed guide to help you through the process:

Step 1: Eligibility and Initial Requirements

Before applying, determine your eligibility:

  1. Identity Theft Victims: If the IRS has previously confirmed you as a victim of tax-related identity theft, you are automatically eligible for an IP PIN.
  2. Proactive Protection: As of recent IRS updates, any taxpayer can apply for an IP PIN proactively to enhance security.
  3. IRS Notices: If you’ve received a CP01A notice from the IRS containing your IP PIN, follow any specific instructions provided.

Step 2: Access the IRS IP PIN System

You need to access the IRS’s online system to apply for an IP PIN:

  1. Create an IRS Account:

    • Visit the IRS website and create an account if you don't already have one. This account is necessary for accessing online services.

  2. Secure Access Registration:

    • Complete the IRS Secure Access process. This involves identity verification using personal information, answering identity verification questions, and using a two-factor authentication system. Be prepared to provide the following:
      • A valid email address
      • Your Social Security number (SSN)
      • Tax filing status and mailing address
      • An identity verification through a financial or personal record, like a credit card, mortgage, or loan
      • Mobile phone number or financial account for identity verification

Step 3: Request Your IP PIN

Once the secure access registration is complete:

  1. Navigate to the IP PIN Section: Within your account, find the option to request an IP PIN and follow the prompts.

  2. Receive Your IP PIN: Once successfully verified, the IRS will issue your IP PIN instantly via the system. This number is crucial, so store it securely.

Step 4: Use Your IP PIN When Filing Taxes

With your IP PIN secured:

  • On Paper or Electronic Filing: Enter your IP PIN on your electronic tax software or write it in the designated box on paper returns when prompted.
  • Maintain Confidentiality: Keep your IP PIN confidential, similar to other personal information like your SSN.

Special Considerations and Common Issues

  • Loss or Theft of PIN: If you lose your IP PIN, you must log in to your IRS account to retrieve it. The IRS does not allow PINs to be retrieved by phone or mail.
  • Expired PINs: Your IP PIN is valid for one calendar year. A new IP PIN is issued each January, so keep an eye on your IRS communications.

Benefits of an IP PIN

  1. Enhanced Security: Protects your tax returns from fraudsters, particularly for those who have experienced previous identity theft.
  2. Prevention of Delay: By ensuring that your SSN is not used on fraudulent tax returns, you can avoid delays in accessing your legitimate tax returns and refunds.
  3. Peace of Mind: Provides confidence and peace of mind knowing that an additional layer of security is enhancing your tax-related processes.

Frequently Asked Questions (FAQs)

  • Can anyone apply for an IP PIN?

    • Yes, as of the latest guidelines, any taxpayer can apply for an IP PIN even if they haven't faced identity theft.

  • What if I can’t verify my identity online?

    • If online verification fails, you may need to contact the IRS for assistance. They may require additional documentation via mail.

  • Will my IP PIN change every year?

    • Yes, a new IP PIN is assigned each year to ensure continued security.

  • Do I need an IP PIN if I use a tax preparer?

    • Yes, using an IP PIN is essential for all forms of tax filing, whether done by yourself or through a preparer.

By understanding and applying these steps, you can effectively obtain an IP PIN from the IRS, adding an essential layer of protection to your tax filings. For further reading and updates on IRS policies, visit the official IRS Identity Protection page. Stay informed and proactive in safeguarding your financial identity.