Top 10 IRS Tax Transcript Retrieval & Parsing Tools for Lenders and Tax Pros (2025)
Why IRS Transcript Retrieval & Parsing Matter for Lenders and Tax Pros
The IRS maintains detailed records for all taxpayers, for both business and individuals on an internal revenue service transcript or IRS transcript. This document contains the summary of a taxpayer’s income, filing status, and tax liabilities.
Lenders and tax professionals use the IRS transcript to prevent fraud and verify income. Since the transcript comes straight from the IRS, it can also help speed up loan approval process as the data have already been verified by the
IRS. It also makes it easier to prepare for audits and tax resolution cases more efficiently.
There are five (5) types of IRS transcripts you can request for:
- Tax Return Transcript for the current (plus past three years) tax return.
- Wage and Income Transcript for up to ten (10) years of data from W-2s, 1099s, 1098s, or 5498s.
- Tax Account Transcript for up to ten (10) years of basic tax return data and account activity.
- Record of Account Transcript for three (3) years of combined data from the Tax Return Transcript and the Tax Account Transcript.
- Verification of Non-Filing Letter for proof that the IRS has no record of any filed tax returns.
Evaluation Criteria: What Makes a Good Transcript Tool
You can get your internal revenue service transcript request done through the IRS Get Transcript service, but it’s built for individual taxpayers, not businesses or large teams. Since most lenders and tax professionals handle lots of clients, they need more than just a simple transcript request tool. They need a good professional transcript tool.
Here are some features that all transcript tools must have.
- Consent pathways for 4506‑C (IVES) & 8821/2848 (TDS)
4506‑C IVES tax transcript verification is used mainly by lenders and 8821 or 2848 (TDS) is used by tax pros. A good transcript tool must support both types.
- Speed & SLAs
A good transcript tool should be able to pull transcripts almost instantly through online integration or use fax or batch requests (like with IVES), which can take 2–3 business days.
- Parsing quality
Raw IRS transcripts can be hard to read. A good tool would parse or organize the data in a more readable format like JSON or CSV.
- Coverage & depth
A strong tool covers all five IRS transcript types and multiple tax years. Some tools also support Fannie Mae standards.
- API & batch + webhooks
A transcript tool should be able to integrate with loan or tax software and let teams pull data for many clients at once. It also needs a notification system anytime there is a new transcript.
- Audit readiness
A good tool should securely store a clear record of every request, response logs, user trail, and retention.
Top 10 IRS Tax Transcript Tools
Here are the top ten (10) IRS tax transcript API / parsing software currently available in the market.
1. Compliancely
Compliancely is a leading real-time identity verification and risk assessment tool built for lenders and tax-professionals who need IRS transcripts and verification (EIN/TIN, KYB, sanctions) in a single workflow. This platform helps teams collect consent, route IRS transcript requests through IVES (for lenders) or TDS (for tax professionals) via partner APIs, and return audit-ready results.
Highlights:
- Obtain e-consent and signatures instantly via a widget
- Parse ready data for seamless automation & integration
- Includes KYB/TIN/sanctions screening for better income and tax verification
- End-to-end digital process with audit trail and exportable evidence
- Automate data retrieval via API or batch ingestion
- Provides data in a structured format like JSON or CSV.
Pricing
Enterprise: Custom pricing (contact the team for more info)
2. Tax Help Software (THS)
Tax Help Software (THS) is an IRS Transcript Management System that offers a mature, analytics-driven transcript environment trusted by tax professionals. It is the original IRS transcript program that requests, downloads, and analyzes IRS Transcript Data. A robust practitioner-centric reporting and workflow tool, it installs locally and automates transcript pulls directly from the IRS into your system.
Highlights:
- Converts raw IRS transcript data into easy-to-read data
- Easily setup in 15 minutes and get access to recorded tutorials and live support
- Installs locally on your computer or server for faster service
- Actionable reports with deep analytics and insights
Pricing:
- New users: $350 for 6 months license for one user
- Executive License (renewal): $600 for 12 months
3. Canopy
Canopy is an IRS tax transcript platform that lets you automate transcript pulls and compare transcript versions. Its easy-to-use and all-in-one management of transcripts and notices makes it ideal for lenders and tax professionals looking for an integrated workspace for managing client cases and IRS notices.
Highlights
- Automate regular transcript pulls or pull multiple transcripts at once
- Pre-built workflows templates for IRS notices
- Power of Attorney (POA) authorization lets you pull multiple years of transcripts
- Download/print/save all relevant documents with one request
Pricing
- Standard (for smaller firms): $150/month with annual contract + Implementation fee
- PRO (for growing firms): $175/month with annual contract + Implementation fee
4. PitBull Tax Software
PitBull Tax Software is an innovative IRS transcript tool that lets lenders access essential IRS tax summaries and transcripts online. It was built specifically for resolution workflows and transcripts delivery/alert.
Highlights
- Available in two versions: integrated add-on version and stand-alone web-based application
- Offers a free 7-day trial for both versions of this internal revenue service transcript tool
- Auto-generate customizable IRS transcripts summary reports
- Request and schedule bulk transcripts for multiple clients at a time
- Receive daily email alerts on any important changes
Pricing
- Monthly:
- 1-Time Use License: $215
- Single user license: $130
- Multi-user license: $280
- Annual:
- 1-Time Use License: $215
- Single user license: $1215
- Multi-user license: $2430
5. IRS Solutions Software
IRS Solutions Software is a tax resolution software designed by tax professional for other professionals. The platform features an ultra-fast IRS transcript retrieval tool that lets you access, download, and print all of your client transcripts as well as pull multiple years and client data in seconds.
Highlights
- Access and download transcripts with the IRS Solutions® transcript retrieval tool
- Get access to comprehensive and easy-to-read reports
- Built-in case management for resolution activities
- Receive weekly email notifications of client transcript changes
- Auto-populate forms and direct CAF upload
Pricing
- Monthly
- Solo Practitioner: $159/month
- Multi-User License: $318/month
- Enterprise: Custom pricing
- Annual
- Solo Practitioner: $1,590/year
- Multi-User License: $3,180/year
- Enterprise: Custom pricing
6. TaxStatus
TaxStatus is a developer-friendly IRS account monitoring and consent-driven transcripts platform. It’s API integration system allows you to collect consent (often via Form 8821) and download IRS transcripts directly from your customer accounts.
Highlights
- Powerful and easy-to-use APIs for retrieving multiple transcript types
- Option to group multiple transcripts into a single PDF when downloading
- Request records effortlessly with a secure consent link via an email or text message
- Retain 10 years of historical transcript data
Pricing
- Flexible pricing plans: Contact their team for more information
7. Veri‑Tax
Veri-Tax is a trusted leader in verification solutions and an authorized report supplier of 4506‑C IVES tax transcript verification reports for Fannie Mae’s Desktop Underwriter® (DU®) validation service. A pioneer in electronic IRS tax transcripts delivery, its compliant, investor-approved IVES workflows have been used by lenders and tax pros alike for a more streamlined verification process.
Highlights
- First in the market to offer electronic 4506-C workflows
- Tax transcripts include a summary coversheet of income
- Streamlined verification process with e-signatures
Pricing
- Custom pricing: Contact their team for more information
8. NCS TRV® Services (National Credit‑Reporting System)
NCS TRV® Services, from National Credit-reporting System, Inc., is one of the first nationwide 4506-C processor. They provides access to commonly used IRS programs and form types to obtain tax transcript data. It supports all major consent paths including 4506-C, 8821, A2A, and consumer-direct flows, as well as “Form or No Form Upload” options.
Highlights
- Provides easy-to read reports with custom delivery options
- Industry-leading fast turn-around times
- Reduced disruption from IRS outages
- Supports integration with major loan origination systems
Pricing
- Custom pricing: Contact their team for more information
9. CoreLogic AutomatIQ® Borrower Tax Transcripts
AutomatIQ Borrower Tax Transcripts by CoreLogic is an enterprise platform that combines income/VOE-I/assets/liabilities with tax transcripts. It is built for lenders that want multiple consent paths in a single workflow within the CoreLogic ecosystem.
Highlights
- Get near-real-time IVES transcripts via IRS online authorization
- Unified consent and transcript management within the CoreLogic ecosystem
- Flat rate pricing with unlimited requests per loan
Pricing
- Custom pricing: Contact their team for more information
10. Xactus
Xactus is a leading solution provider in the mortgage verification industry that streamlines credit, income, employment, asset, and tax return verification. A main highlight of this platform for lenders and tax professionals is that it offers the ability to order and deliver 4506-C tax transcripts directly within the Xactus360 platform.
Highlights
- Order transcripts within your existing Xactus360 workflows
- Collect e-signatures from borrowers for faster permission
- Delivers clear, easy-to-read reports
- Integrates with tools like Halcyon for more income-verification options
Pricing
- Custom pricing: Contact their team for more information
FAQs
1. What are the main IRS transcript types and where do I get them?
The main IRS transcript types are Return Transcript, Account Transcript, Wage & Income Transcript, Record of Account Transcript, and Verification of Non‑Filing.
You can get them from:
- IRS Get Transcript online service
- Income Verification Express Service (IVES) with IRS Form 4506-C
- Transcript Delivery System (TDS) with proper authorization
2. What’s the difference between 4506‑C and 8821?
4506-C authorizes IVES participants (like lenders) to receive tax transcripts on behalf of taxpayers while 8821 authorizes entities to access tax information via TDS.
3. How fast can lenders get transcripts?
Lenders getting their transcripts through IVES can get their transcripts instantly. While fax requests typically take 2 to 3 days.
4. How many years can lenders request?
According to Fannie Mae guidelines, you can request IRS transcripts for the past four tax years.
5. Can a lender use “Get Transcript Online” instead of IVES?
No, Get Transcript Online service is only available to taxpayers. Lenders must use 4506-C via IVES or an IRS-approved alternative.
6. Is electronic signature acceptable for 4506‑C?
Yes, usually most lender workflows support e‑signature. However, the verification process is still on you. Make sure to verify acceptance with the IVES participant and investor guidelines such as those by Fannie Mae.
7. What should parsing include?
Parsing should include Adjusted Gross Income (AGI), Schedule C/F details, W-2/1099 total, cross-year comparisons, and should be machine-readable (JSON/CSV).
8. What about privacy and redisclosure?
IRS 6103(c) restricts the use and redisclosure of transcripts. Any unauthorized access/sharing can lead to penalties.
9. Do tools support ongoing monitoring?
A few tools like Compliancely and Canopy do offer continuous risk monitoring and ongoing alerts for any changes to the account.
10. Where do I start if I’m a new lender?
You can start by reviewing participation requirements for IVES and following investor guidelines regarding consent forms (4506-C, 8821).
