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Need a copy of a previous year’s tax return? Whether you’re applying for a loan, filing current taxes, or just getting organized, retrieving old IRS records is easier than you might think. This guide explains exactly how to get prior years IRS tax returns, how long it takes, and which documents you should request.
Why You Might Need Prior Year Tax Returns
You may be asked to provide old returns for:
- Mortgage or home loan applications
- College financial aid (FAFSA verification)
- Tax audits or IRS notices
- Immigration or passport requirements
- Amending a previously filed return
- Confirming income for government benefits
- Keeping your records up to date
If you don’t have a copy saved, the IRS can help.
Transcript vs. Full Return: What’s the Difference?
IRS offers two main document types:
| Document Type | What You Get | Fee | Availability |
|---|---|---|---|
| Tax Return Transcript | Most line items, including AGI | Free | Last 3 years |
| Full Tax Return Copy | Exact Form 1040 + all attachments (W-2, 1099, schedules) | $43 per year | Last 7 years |
For most situations (loans, income verification), a Tax Return Transcript is all you need.
Option 1 – Access Old Returns Online (Fastest)
Use IRS Get Transcript Online
This is the quickest method — you can download immediately.
Visit: https://www.irs.gov/individuals/get-transcript
What you need to verify your identity:
- Email address
- Phone number in your name
- Photo ID (Driver’s license, State ID, or Passport)
- One financial account for verification (credit card, mortgage, auto loan, etc.)
Once verified, you can instantly download:
- Tax Return Transcript
- Tax Account Transcript
- Wage & Income Transcript (W-2s, 1099s, etc.)
- Record of Account Transcript
Option 2 – Request by Mail (Paper Delivery)
Use Form 4506-T (Free Transcripts)
Download: https://www.irs.gov/pub/irs-pdf/f4506t.pdf
Processing time: 5–10 business days
You can request:
- Tax Return Transcript
- Tax Account Transcript
- Verification of Non-Filing
- Wage & Income Transcript
Use Form 4506 (Full Return Copy, $43 fee)
Download: https://www.irs.gov/pub/irs-pdf/f4506.pdf
Processing time: up to 75 days
Mail to the IRS address listed on the form based on your state.
Option 3 – Call IRS Support
You can request a free tax return transcript by phone:
1-800-908-9946
Processing time: 5–10 business days by mail
Note: You must verify your identity.
How Many Years Back Can You Get a Return?
| Record Type | Years Available |
|---|---|
| Free Tax Transcripts | Last 3 years |
| Full Tax Return Copies | Last 7 years |
| Wage & Income Records | Last 10 years |
The IRS does not keep returns forever — request them while available.
What if My Social Security Number Changed?
If you changed your name or SSN, request using:
- Your current Social Security Number
- And include previous identity details on the form
Can a Tax Pro Request Them for Me?
Yes. Your authorized representative can request documents using:
- Form 2848 (Power of Attorney), or
- Form 8821 (Tax Information Authorization)
This can make the process easier if dealing with multiple years or audits.
Tips to Avoid Delays
✔ Ensure your name/address matches IRS records
✔ Sign and date forms properly
✔ Include payment if ordering a full return
✔ Use certified mail if mailing forms
Are Prior Year Tax Returns Secure?
Yes — IRS portals use ID verification and two-step authentication for identity protection.
Final Thoughts
Obtaining prior years IRS tax returns is straightforward if you choose the right method for your needs. For quick access, Get Transcript Online is the fastest option. For complete copies including attachments, use Form 4506 — just plan ahead due to processing time.
Keeping copies of your tax filings every year can help avoid stress down the road when you need proof of income, tax payments, or filing status.
