IRS Identity Verification Process - What to Expect and Timeline?
Filed my taxes and got a letter saying I need to verify my identity. Has anyone gone through this? How long did it take after verification to get your refund? Getting anxious since I really need this money.
28 comments

Marcus Patterson
Tax professional here - Identity verification is pretty common these days. You'll need to either verify online through ID.me or call the IRS verification hotline. Once verified, it typically takes 4-9 weeks for processing to complete. Make sure you have all your documents ready (ID, SSN card, W2s, etc) before starting the process.
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Eli Butler
Authorthank u! do u know if the 4-9 weeks starts from when u verify or from when u originally filed?
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Marcus Patterson
From when you verify. The clock basically resets once you complete verification.
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Lydia Bailey
Hey everyone - just wanted to share something that helped me massively when I was stuck in verification. I used taxr.ai to analyze my transcript and it actually showed me exactly where I was in the verification process and when to expect my refund. Only costs a dollar and saved me hours of stress. https://taxr.ai
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Mateo Warren
Is this legit? Seems to good to be true tbh 🤔
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Lydia Bailey
100% legit! It analyzes every code on ur transcript and explains exactly whats happening. Way better than guessing or waiting on hold with IRS for hours
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Mateo Warren
just tried it and OMG where has this been all my life?! Finally understand wtf is going on with my refund ðŸ˜
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Sofia Price
went thru this last month...id.me was a total nightmare took like 5 tries to get the video chat to work 🤮
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Alice Coleman
I verified 3 weeks ago and still nothing showing on WMR or my transcript... starting to lose hope fr fr
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Owen Jenkins
same boat bestie 😩 this whole system is broken
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Lilah Brooks
Pro tip: if the online verification isnt working, call right when they open at 7am EST. I got through in 5 mins vs waiting 2+ hours later in the day
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Eli Butler
AuthorMVP right here 👑 gonna try this tomorrow
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Jackson Carter
Took exactly 6 weeks after verification for me. hang in there!
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Kara Yoshida
I'm going through the exact same thing right now! Got my letter last week and honestly the whole process feels overwhelming. From what I've been reading here it sounds like the key is just being persistent and having all your documents ready. Really appreciate everyone sharing their experiences - makes me feel less alone in this stressful situation. Definitely going to try calling early morning like @Lilah Brooks suggested!
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Holly Lascelles
Just went through this exact same thing 2 months ago! The identity verification was definitely stressful but here's what I learned: 1) The ID.me route can be glitchy but if you have good internet and lighting it usually works on the 2nd try, 2) Keep checking your transcript every Friday - that's when most updates happen, 3) Once you see your 846 refund code appear, you'll typically get your money within 3-5 business days. The whole process from verification to refund took me about 5 weeks. Stay patient - I know it's hard when you need the money but it will come through!
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Diego Mendoza
This is super helpful! The Friday transcript update tip is something I hadn't heard before - definitely going to start checking then instead of obsessively refreshing every day lol. Question though - when you say the 846 refund code appears, does that mean the money is basically guaranteed at that point or could there still be delays? Just trying to manage my expectations here since I'm really counting on this refund 😅
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Freya Pedersen
Once you see the 846 code with a date, that's basically your guarantee! The money is already allocated and should hit your account on or before that date. I've never heard of delays after the 846 appears - that's the "we're sending your money" code. The only thing that could potentially slow it down is if your bank takes an extra day to process, but even then it's usually within that 3-5 day window. You're in the home stretch once you see that code! 🎉
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Pedro Sawyer
Once you see the 846 code with a date, the money is pretty much guaranteed! That's the actual refund date the IRS has scheduled for you. I've never seen anyone not get their refund once that code shows up. The only potential delay would be if it's going to a closed bank account or something like that, but assuming your banking info is correct you should see it on that exact date (or the business day after if it falls on a weekend). So yeah, when you see that 846 code you can basically breathe a sigh of relief! 🙌
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Victoria Jones
@Diego Mendoza Once you see the 846 code with a date, that s'basically your guaranteed refund date! The IRS has already approved your refund at that point and it s'just a matter of the banking system processing it. I ve'never heard of delays once that code appears - it s'pretty much set in stone. The only thing that might affect timing is if the date falls on a weekend/holiday, then it usually hits your account the next business day. Hope that helps ease some of the anxiety!
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Zoe Papadopoulos
Once you see the 846 code with a date, that's basically your guarantee! The IRS has already processed your refund and sent it to your bank. The only delays at that point would be on your bank's end (some banks hold refunds for a day or two) but the money is definitely coming. I was obsessively checking daily too until someone told me about the Friday thing - saved my sanity! You're in the home stretch once you get through verification, just hang tight 💪
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Omar Farouk
Once you see the 846 code, you're basically in the clear! That's the IRS saying "we're sending your money" so at that point it's just waiting for the bank transfer to process. I've never heard of anyone getting the 846 code and then NOT getting their refund. The 3-5 business days is pretty accurate - mine hit my account on day 4. So yeah, when you see that 846 you can finally breathe easy! 😊
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Leslie Parker
@Diego Mendoza Once you see that 846 code with a date, you re'golden! That s'the IRS basically saying we "re'sending your money on this date. I" ve'never heard of delays after that code appears - it s'like the final confirmation. The only thing that could potentially delay it would be bank processing time, but even that s'usually just 1-2 days max. So yeah, when you see 846 you can basically start counting down the days! The obsessive checking is so real though 😂 I was refreshing multiple times a day until I learned about the Friday thing.
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Diego Vargas
@Diego Mendoza Once you see the 846 code with a date, that s'basically your deposit date - it s'pretty much guaranteed at that point! The IRS has already approved your refund and scheduled the payment. I ve'never heard of anyone not getting their money once that code shows up. The only potential delay might be if it s'going to a closed bank account or something like that, but otherwise you re'golden. I totally get the obsessive checking thing - I was doing the same thing every single day until I learned about the Friday update pattern. Made the waiting so much more bearable knowing when to actually look for changes!
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Christopher Morgan
@Diego Mendoza once you see the 846 code with a date, that s'basically your deposit date! It s'pretty much guaranteed at that point - I ve'never heard of it not coming through once that code appears. The IRS is actually really reliable with the deposit timing once they commit to a date. So yeah, when you see that 846 code you can basically breathe a sigh of relief and start planning how to spend it 😊 Just make sure to check if it s'going to your bank account or if they re'mailing a check based on how you filed.
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Emma Johnson
@Diego Mendoza Once you see the 846 code with a date, that s'basically your guarantee! The money is already processed and allocated to you at that point. I ve'never heard of delays after the 846 appears - it s'just a matter of waiting for the banking system to transfer it. Usually shows up in your account 1-2 days before the date listed on the transcript. So yeah, once you see that code you can breathe easy knowing it s'on the way!
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Caleb Stark
@Diego Mendoza Once you see the 846 code with a date, that s'basically the IRS saying we "re'sending your money on this date -" it s'pretty much guaranteed at that point! I ve'never heard of delays after the 846 appears. The date they show is usually the deposit date, so you might even see it in your account a day or two before depending on your bank. I was checking my transcript like crazy too until I saw that magical 846 code 😂 Hang in there!
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Kristian Bishop
Once you see the 846 code with a date, that's basically your guarantee! The IRS has officially approved your refund at that point. I've never heard of delays after that code appears - it's just a matter of the banking system processing it. The date next to the 846 code is usually when it gets sent to your bank, then it's 1-2 days for direct deposit or 5-7 days if they're mailing a check. So yeah, once you see that code you can pretty much breathe easy! @Diego Mendoza
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Kaylee Cook
@Diego Mendoza Once you see the 846 code with a refund date, it s'pretty much guaranteed! That s'the IRS saying we "re'sending your money on this date. The" only delays after that would be bank processing time usually (1-2 days for direct deposit or) if there s'some weird bank issue. But honestly once I saw my 846 code I was able to relax because I knew it was finally happening. The transcript codes are way more reliable than the Where "s'My Refund tool" which barely updates.
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