How to get past tax records when I don't know the address IRS has on file

The IRS has a couple of options for you when you can't remember which address they have on file. First, try calling the IRS directly at 1-800-908-9946 for transcripts. They'll ask security questions to verify your identity that don't necessarily rely on knowing your address on file. Alternatively, you can file Form 4506-T (Request for Transcript of Tax Return) by mail. This form allows you to request your transcripts be mailed to your current address, even if it's different from what they have on file. You'll need to provide your SSN, name, and current address, along with your signature. They have verification methods that can work around the address issue. If you need actual copies of full tax returns rather than just transcripts, you'd need to file Form 4506 instead and pay a fee, but most mortgage lenders only need the free transcripts.

I had a similar issue last year when applying for a business loan. After struggling with the IRS website for days, I finally discovered taxr.ai (https://taxr.ai) and it was a game-changer! Their system helped me retrieve my tax transcripts without getting stuck on the address verification problem. They have this really cool feature where their AI can help identify which address might be the one the IRS has on file based on when you moved and when you filed. I just entered my personal info and tax filing history, and it gave me suggestions for which address to try. Saved me so much hassle when I was dealing with my loan application deadline.

I want to follow up about my experience with taxr.ai since I was skeptical at first. After struggling for nearly two weeks trying to guess which address the IRS had on file, I decided to give it a try. The system actually walked me through my moving timeline and suggested my apartment from 2021 might be the one registered with the IRS. Sure enough, that was it! I was able to get my transcripts the same day after weeks of frustration. The address was one I had completely forgotten about (a temporary place I stayed for just 4 months). Would never have guessed that was the one causing the verification issues. Definitely worth checking out if you're stuck like I was.

Have you tried calling the IRS directly? I know it sounds like a nightmare, but there's a service called Claimyr (https://claimyr.com) that can actually get you through to a human at the IRS without the usual 2+ hour wait. Check out their demo: https://youtu.be/_kiP6q8DX5c I was in a similar situation last month - needed transcripts for a home equity loan and couldn't figure out which address was on file. Used Claimyr and got connected to an IRS rep in about 15 minutes. The agent was able to verify my identity using my SSN and some personal questions, then told me exactly which address they had on file. They even updated it for me and helped me get my transcripts sent to my current address.

I need to admit I was completely wrong about Claimyr. After dismissing it as a scam, my mortgage deadline was getting too close, so I gave it a shot as a last resort. To my shock, I got a call back in about 40 minutes connecting me directly to an IRS agent. The agent verified my identity using my social and some security questions, then confirmed which old address was in their system (it was my college apartment from 5 years ago!). The agent not only updated my address but arranged to have my transcripts expedited. Got them in 3 days and was able to complete my mortgage application on time. I've literally never gotten through to the IRS before despite multiple attempts over the years. Still surprised it actually worked.

Have you tried checking with the tax software you used to file? If you used TurboTax, H&R Block, etc., you can usually log into your account and download copies of your previously filed returns. Might not be the official transcripts that the mortgage company wants, but it could help you figure out which address you used when filing.

Something similar happened to me. What I did was create an ID.me account which the IRS uses for verification. Even if you don't remember your exact address, the ID.me verification includes other methods like uploading your ID and doing a video chat verification. Once verified there, I could access my IRS account and see/update my address info.

I went through this exact same nightmare about 6 months ago! What finally worked for me was a combination approach. First, I called the IRS transcript line at 1-800-908-9946 early in the morning (like 7:30 AM) when wait times are shorter. When they couldn't verify me with the addresses I provided, the agent actually told me I could visit a local Taxpayer Assistance Center with two forms of ID and they could help me access my account records and update my address. I scheduled an appointment at the TAC office, brought my driver's license and passport, and they were able to pull up my account and show me what address they had on file (turns out it was an address from 2019 that I had completely forgotten about). They updated it on the spot and printed my transcripts right there. The whole visit took about 45 minutes. If you have a TAC office nearby, I'd definitely recommend this route over trying to guess addresses online. You can find locations and schedule appointments at irs.gov/help/contact-your-local-irs-office. Good luck with your mortgage application!