With the arrival of a new year, tax season is upon us once again, bringing with it its fair share of frustrations. It’s not just about deciphering the complicated US tax code; you also have to be on guard against various scams.
One particularly concerning scam involves identity theft, where a scammer files a tax return using your name to collect a refund. Unfortunately, you might not realize this has happened until you attempt to file your own return, only to find a tangled mess to sort through. The likelihood of this occurring is on the rise for 2025, especially after numerous data breaches over the past year. Nowadays, it seems almost everyone’s personal details, including Social Security numbers, could be easily accessed on the dark web.
The good news is that the IRS has implemented measures to help you protect against this type of fraud. By visiting their official website, you can request an identity protection PIN (IP PIN) — a six-digit number that you must include with your tax filing. This PIN helps validate your return, and without it, your submission will not be accepted by the agency.
Previously, this program was restricted to individuals who had fallen victim to identity theft, either by request or at the IRS’s discretion. Now, however, any taxpayer can opt in to the program voluntarily.
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To get started, visit the IRS website. The fastest verification method is through the government’s ID.me service, but you also have the option to verify your identity via mail or in-person appointments. The online application process typically takes about 15 to 20 minutes.
Keep in mind that identity protection PINs are valid for one year only and cannot be reused. This is a smart approach, as it protects you from future fraud if your PIN is compromised. When you enroll voluntarily, you can decide whether to receive a single PIN for one year or opt for annual recurring PINs. For most people, having the IRS automatically send a new PIN each year is the most convenient option, alleviating some stress during the busy tax season. You can even use your ID.me account to check on your PIN.
Speaking of account security, if you haven’t already, consider using a password manager. This tool can help you craft and manage complex passwords, ensuring your government accounts remain secure. A robust and unique password is crucial for safeguarding your sensitive information.
For more information about the identity protection PIN program, be sure to check out the IRS’s FAQ page. Overall, the process is straightforward, which is certainly a relief considering the complexities often associated with filing taxes in the U.S.
