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QR code is smart. I added one that goes to my Calendly for free consults and people actually use it

Look into dispute resolution as a service. Thats the bread and butter of legit credit repair. Sending letters to remove inaccurate items from reports. You won't get rich fast but it's steady work and helps people.

lol i just paid off my last collection and my credit score dropped 12 pts. someone please explain credit to me like i’m 5

Yep got it too. Honestly, at this point i just assume my data is in a Russian spreadsheet somewhere. Still, free ID protection? i’ll take it

Skip the flashy ads and TikTok experts. Look for someone who follows FCRA guidelines and offers a written contract. Local is nice but remote can work if the company is legit like Sky Blue or Lexington Law...though mixed reviews there. Just avoid the ones that charge before doing anything. 🚩

I run two LLCs and a side gig. My best combo: Amex Blue Business Plus: 2x points on everything up to $50k/year Chase Ink Preferred: Killer travel rewards, especially for digital nomads Capital One Spark 1.5%: No frills, solid cashback

Same here i had panic attacks just thinking about it but the IRS guy I spoke to was chill. Honestly they want their money and will work with you.

Honestly, the best tax relief I found was doing my taxes right the first time

I actually used Better Tax Relief back in 2021. I owed about $18k to the IRS and was in full panic mode. They did help lower it to about $9k through an Offer in Compromise, but it wasn’t cheap. I paid around $3k in fees. Not a scam but not magic either.

BTR is basically the H&R Block of tax relief...fine for basic stuff not for super complex cases. If you’re self-employed or have business tax issues, go with an actual enrolled agent or tax attorney.

If you're just starting out then look into TaxDome bundled with your tax software. It’s more about client workflow but surprisingly helpful and doesn’t break the bank

Been using TaxAct for my Etsy shop for 3 years. It’s not the flashiest but it’s straightforward and doesn’t feel like it’s trying to upsell me every 3 clicks

If you’re not self employed or dealing with multiple income sources then FreeTaxUSA is criminally underrated.

If you’re looking for plug-and-play simplicity, Cash App Taxes is actually solid. It’s free, surprisingly intuitive, and walks you through everything like a friendly robot. Just know it doesn’t support all situations, like multiple states or foreign income.

Honestly, I’m not convinced ANY tax software is foolproof. I used TurboTax last year and they missed a home office deduction.

I’ve used FreeTaxUSA for the past 3 years and it’s been solid. Super affordable and doesn’t try to sneak in extra charges. Not the prettiest interface but it gets the job done.

If u have got crypto trades, don’t even bother with basic online services. Use something like CoinLedger to track your trades then export it to a pro or plug into a more advanced tool like TaxSlayer Premium

TurboTax Free Edition is great… until you realize it's only free if u have exactly one W-2 and literally no other deductions. Tried to claim student loan interest and BAM, got paywalled.

Honestly H&R Block’s online version is criminally underrated. Super clean UI and u can chat with a tax pro at any point. no upsell spam either.

Just plug your numbers into a tax calculator like SmartAsset or the IRS estimator. It’s free and way easier than doing the math yourself.