I was prequalified at Acheive the Dream, and given a prequal letter.
I was told that I need to provide two types of records of my Installment agreement with the IRS for taxes more than 5 years old when I go to the next level. The underwriter said I need transcripts and the letter instituting the agreement. I have the transcripts, but not a written agreement. I contacted the IRS, and they said that they can not provide anything additional. The transcripts show the balance, and regular payments, which can also be verified with my bank account.
I make my payments regularly, they are directly debited from my account. There is no lien, and it does not show up on my credit report. I am in good standing with the IRS. I can provide record of payment, and transcripts of the account, but have lost the original installment agreement.
The problem with just showing the monthly payments on bank statements, etc. is that there’s nothing to indicate that you aren’t just sending in payments to cover your current income as opposed to specific back tax debt. However, the IRS claim “that they can not provide anything additional” is a bunch of nonsense.
What if you were to sue them for breach of contract for not keeping up their end of the agreement? They would come up with a copy of the original signed agreement in seconds. Somebody just didn’t want to do their job.
Call them back and insist that they tell you what department would have your original signed agreement, and then have them transfer you to that person or department. If they don’t know ask them to transfer you to someone who does know. You have the legal right to be in possession of a written copy of the agreement. Go into Polite Pest mode. Be relentless until you get what you need.