What is Knowledge-Based Authentication (KBA)?

Knowledge-Based Authentication (KBA) is a security step required by the IRS for anyone using an electronic signature to sign their tax return. It helps confirm your identity by asking a series of questions based on personal information that only you should know.

KBA is only required for Individual returns.

At PaulHood, we use Multi-Factor Authentication (MFA) as an added security measure when e-signing for Business and Trust returns, instead of KBA.

These questions are generated by LexisNexis using publicly available data.

Common examples include questions about:

• Previous addresses
• Former phone number
• Vehicles registered in your name
• Financial accounts you’ve had
• Mortgage lender

To complete the e-signature process:

• You'll need to answer these multiple-choice questions correctly.
• You’ll have up to three attempts.
• If you're unable to pass the KBA after three tries, we’ll simply switch to a handwritten signature instead.

Good to know:

• A handwritten signature doesn’t mean your return must be mailed. Once we receive a signed Form 8879, we can still e-file your return.
• Also, it’s important to note that this process is not a credit check—it’s strictly used to verify your identity for IRS compliance.