Identity theft continues to be a serious concern for taxpayers across the United States, with cybercriminals increasingly targeting personal information for fraudulent tax filings. To help combat this issue, the IRS offers a program known as the Identity Protection PIN (IP PIN). This six-digit number helps ensure that only you can file a tax return under your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
In this blog, we’ll walk you through the steps to apply for an IP PIN, how it works, and how you can protect yourself from tax-related identity theft.
What Is an IP PIN?
An IP PIN is a six-digit number issued by the IRS to eligible taxpayers. This PIN acts as an additional layer of security, helping the IRS verify your identity when you file your taxes. If someone attempts to file a tax return using your SSN or ITIN, they would be unable to complete the process without the correct IP PIN.
While the IP PIN program was initially available only to victims of identity theft, the IRS now allows any taxpayer to opt in for the program, offering an extra layer of protection for your tax filings.
Who Should Apply for an IP PIN?
You might consider applying for an IP PIN if:
- You are a victim of identity theft and your tax information has been compromised.
- You want to proactively protect your tax information from potential identity theft.
- You are enrolled in the IRS Identity Protection program.
If you’ve been the victim of identity theft or received a notice from the IRS indicating that your information was used fraudulently, you are eligible to apply for an IP PIN.
Step-by-Step Guide to Apply for an IP PIN
Step 1: Check Eligibility
Before applying, you should verify that you meet the eligibility criteria for the IP PIN program. You can apply if:
- You’re a U.S. taxpayer with a valid SSN or ITIN.
- You can authenticate your identity through an online process or by mail.
- You are willing to keep track of your IP PIN for every future tax return.
The IP PIN program is open to anyone, but certain steps may differ depending on your specific situation.
Step 2: Gather the Necessary Information
Before applying, make sure you have the following information handy:
- Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
- A valid email address
- Access to your most recent tax return and other personal financial documents (such as W-2s, 1099s, etc.)
- Your mobile phone number (if applying online)
Step 3: Visit the IRS Website
Go to the official IRS Identity Protection PIN page. This page provides all the details you need to apply for your IP PIN.
The IRS offers an online tool for getting an IP PIN, which is the fastest and easiest way to apply. The tool is available at:
[IRS Get an IP PIN Tool]
Step 4: Use the Online Tool to Apply for Your IP PIN
If you’re eligible and want to apply online, follow these steps:
1. Create an IRS account or log in to your existing account.
2. Authenticate your identity: The IRS will ask you to verify your identity through multi-factor authentication (e.g., through your mobile phone).
3. Answer security questions: This step ensures that you are the person you claim to be. If successful, you’ll receive your IP PIN instantly.
4. Write down your IP PIN: The six-digit number is unique to you for the current tax year, so make sure you store it in a secure location.
If you can successfully verify your identity, you’ll receive your IP PIN right away. Keep it safe—don’t share it with anyone.
Step 5: Verify Your Identity (If Necessary)
If you cannot verify your identity through the online tool, don’t worry—you can still apply by mail. The IRS has a process to confirm your identity manually. You will need to submit Form 15227: Application for an Identity Protection Personal Identification Number. After processing your form, the IRS will send your IP PIN by mail. This process could take several weeks, so be patient.
Step 6: Apply for Your IP PIN If You Can’t Use the Online Tool
If the online application tool doesn't work for you, or if you're unable to verify your identity electronically, you can apply by submitting Form 15227. This form must be mailed to the IRS, and you will receive your IP PIN by U.S. mail.
Form 15227 is available on the IRS website. Ensure that you include all necessary documentation to avoid delays.
Step 7: Use Your IP PIN When Filing Your Taxes
Once you have your IP PIN, you will need to enter it when filing your taxes for the year. This applies to both paper and electronic tax filings. Without the correct IP PIN, the IRS will reject your tax return.
Step 8: Renew Your IP PIN Annually
IP PINs are only valid for one year, so you must renew your PIN every year. If you’ve already opted in for the IRS’s program, you may automatically receive a new PIN each year. However, if you apply manually, you’ll need to get a new IP PIN annually.
What to Do If You Lose Your IP PIN
If you lose or forget your IP PIN, don’t panic! You can retrieve it online using the IRS tool if you have access to your IRS account. If not, you can request a replacement by calling the IRS at 1-800-908-4490.
It’s important to note that the IRS will never ask for your IP PIN via email or phone call. Always keep it secure.
Why Should You Apply for an IP PIN?
While the IRS offers several methods to protect your identity, an IP PIN provides an added layer of security by requiring the correct PIN number to process your tax return. Here are a few reasons to apply:
- Protection from tax fraud: If your SSN or ITIN is compromised, the IP PIN prevents criminals from using it to file fraudulent tax returns.
- Peace of mind: Knowing that only you can file a return with your unique IP PIN gives you greater confidence during tax season.
- Year-round security: An IP PIN protects your tax filings every year, so even if your identity is compromised, your returns will be secured.
Conclusion
Filing for an IP PIN with the IRS is a simple yet powerful way to protect your tax identity. Whether you're a victim of identity theft or simply want to safeguard your information, applying for an IP PIN can help prevent fraudulent tax returns filed in your name. By following the steps outlined above, you can easily apply for your own IP PIN and ensure that your tax filings are protected.
Remember: an IP PIN is only valid for one year, so you’ll need to renew it annually to maintain protection. Stay vigilant, and enjoy the peace of mind that comes with enhanced security during tax season.
If you need more information or help with your application, visit the IRS website or contact a tax professional.
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