The Importance of Safeguarding Your Identity

Identity theft and tax refund fraud are topics many prefer to overlook, yet they loom large over our finances and peace of mind. Dealing with the chaos a criminal creates can stretch on for months—or even years. That's why taking steps to defend your identity is not just wise, but essential. Thankfully, the IRS has simplified this task by rolling out Identity Protection PINs for every taxpayer in the United States.

What is an Identity Protection PIN?

An Identity Protection PIN (IP PIN) is a unique six-digit number issued by the IRS, designed to thwart anyone from filing a tax return with your Social Security number. Once you obtain your IP PIN, it's crucial to keep it private—only share it with your tax professional or when filing through trusted tax software.

Enhanced Security for Your Tax Account

The IP PIN serves as a guardian for your tax account. Without the correct IP PIN, electronic returns will face rejection, while paper returns will undergo extensive fraud checks. This added layer of security has become a game changer in the realm of identity protection.

Widespread Availability of IP PINs

Previously limited to select states, the IRS expanded the IP PIN program nationally in 2021. Now, all individual taxpayers can voluntarily enroll to receive their own IP PIN. Plus, spouses and dependents can join in the protection as long as they successfully undergo the identification process.

How to Obtain Your IP PIN: Step-by-Step

1. Set Up Your IRS Account

If you haven't already created an IRS account, now’s the time. Head over to the IRS website and utilize the ID.me self-service option. You'll need your Social Security number, an email address, a photo ID (like a passport or driver’s license), and a device capable of taking photos and video. If the IRS can't verify your credentials at any stage, don’t fret—there are alternative methods you can use to apply.

2. Secure Your IP PIN Online

Once your account is established, click on the “Get an IP Pin” button on the IRS website to register for your PIN. The online IP PIN tool is available from mid-January through mid-November, ensuring you have ample time to secure your identity. If you've previously been a victim of identity theft and your issues have been resolved, expect to receive a CP01A Notice with a fresh IP PIN each year by early January.

3. Explore Alternative Application Methods

If the online system can't verify your identity, you have the option to apply by mail, fax, or even in person. To proceed by mail or fax, ensure you have a Social Security number or individual taxpayer identification number, and an adjusted gross income below $73,000 (or $146,000 for couples). With these qualifications, you can submit your request to the IRS, who will follow up with a phone call to verify your identity and send your IP PIN in the mail within four to six weeks.

If you prefer an in-person application, bring one photo ID and a second form of identification. Schedule an appointment at a local Taxpayer Assistance Center. After verifying your identity, expect your IP PIN to arrive via mail in approximately three weeks.

Ready to File Your Taxes?

Once you're set up with your IP PIN, filing your taxes becomes a more secure process. Should you misplace your IP PIN, you can easily retrieve it using the same online tool you used for your application. If the online retrieval fails, calling the IRS at 800-908-4490 will allow you to have a new PIN issued.

Additional Considerations

It's important to note that while having an IP PIN is beneficial, it's not mandatory for filing your taxes. If you already have one, you'll need it for your filing process. To boost your identity protection further, consider placing a security freeze on your credit, preventing new accounts from being opened in your name, or setting up an alert system that scrutinizes your credit applications more closely.