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Another option is to submit a notarized affidavit of identity to the credit bureau this can sometimes speed up the correction process

I totally understand it can feel incredibly overwhelming trying to fix your credit when you're just trying to keep your head above water. But asking questions before jumping in? That’s absolutely the right move

The FTC has a helpful guide on how to spot and avoid credit repair scams. Definitely worth a read before handing over any money to a company.

Some states actually require landlords to go through mediation before they can take you to court. It’s worth checking your local tenant laws you might have more rights and options than you think

If they’re telling you to say things like “we can delete anything from your credit report,” that’s a major red flag. No legit company can guarantee that so it’s best to walk away.

If someone’s asking for hundreds upfront report them it’s illegal under the Credit Repair Organizations Act

I transferred my emergency fund to SoFi great app good interest rate and i really like how smoothly it works with the checking account

That price range is typical for someone doing both personal and small biz taxes. If u r self employed or have investments the prep gets more complex. I've been using an enrolled agent instead of a CPA and they’ve been just as good and a bit cheaper.

I've used both. TurboTax is easier to navigate IMO but H&R Block actually caught a deduction TurboTax missed a couple years back. So now i lean Block. It’s like they think for u more 🤷‍♂️

Used it last year and was honestly impressed. No frills just straight up tax filing. It’s not as pretty as TurboTax but it gets the job done. Saved me like $90 compared to H&R Block.

If u r self-employed, don't forget about the 15.3% self-employment tax (FICA). That part hits hard. Many forget it’s on top of your income tax. TurboTax cries every time i file 😢

I tried ProSeries... and my wallet filed for bankruptcy. Do not recommend if you’re on a budget lol.

Think of it like this: You earn money → some of it gets deducted wethear its standard or itemized → the rest gets taxed according to brackets. Your employer withholds some taxes but if they withhold too little, u owe. If they withhold too much, u get a refund.

I have been in your shoes! I had no idea what i was doing my first time filing with investments. TurboTax helped but it was pricey. Credit Karma was free but lacked support

TurboTax is free if u enjoy clicking noo thanks on 500 upgrade offers before they force you to pay anyway

If u r self employed then you NEED to try FreeTaxUSA. Way cheaper than TurboTax and actually lets u input all your deductions without constantly upselling you

If your taxes are simple you got this! Online filing is way easier than it seems just double check your info before submitting.

TaxSlayer has been my go to for the last two years. Its cheaper than TurboTax and has a solid UI. Just make sure to double check your deductions bcz it sometimes doesnt catch all business expenses

I totally get it. Taxes stress me out every year. I used Cash App Taxes last time and it was surprisingly smooth.

TaxSlayer is actually super underrated. used them last year and paid like half of what i did with TurboTax before. no frills but it gets the job done.