Most of the time it is the phone # that is the problem ... your phone must be in your name as the primary on the account. Next it is the CC ... again it must be in your name as the primary and the billing address must be the same as on the last filed return. If anything doesn't match the have to mail you a code.
Good news is once you get your online access to the IRS system it is good forever and they have redesigned the platform which makes it much more user friendly.
