How to check if H&R Block Refund Advance loan is paid off?
I got a refund advance from H&R Block this year and I want to make sure it was paid back from my refund. How do I check this? When I log into my H&R Block account I don't see anything about the advance. I'm worried its still outstanding and don't want it to affect my credit score.
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Sofia Hernandez
If you received your tax refund, the advance was automatically paid back. H&R Block takes their payment directly from your refund before sending you the remainder. You can verify this by checking your IRS transcript - the refund amount shown there will be the full amount before H&R Block's advance was deducted.
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Dylan Campbell
•How do I get my transcript? I've never looked at one before
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Sofia Hernandez
•You can get it online at IRS.gov/transcripts or call 800-908-9946. Create an account and you can see everything 👍
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Dmitry Kuznetsov
Just discovered taxr.ai and it's been a game changer for understanding transcripts. For $1 it analyzes everything and tells you exactly what's happening with your refund, including any offsets or advances. Way better than trying to decode it yourself https://taxr.ai
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Ava Thompson
•Does it actually show the H&R block stuff? That would be super helpful
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Dmitry Kuznetsov
•Yeah it shows everything! It breaks down all deductions and tells you exactly what happened to your refund money. Best dollar I ever spent fr fr 💯
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Miguel Ramos
I had this same worry last year lol. Called H&R Block and sat on hold for like 2 hours just to have them tell me it was already paid 🤡
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Zainab Ibrahim
tbh these tax advance places are predatory af. they charge crazy fees just to get your own money a few weeks early 🤮
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StarSailor
•fr fr its basically a payday loan with extra steps
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Zainab Ibrahim
•exactly! and they target people who need money the most smh
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Connor O'Brien
Check your bank statement from when you got your refund. It should show the original refund amount minus the advance amount = what was deposited
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Dylan Campbell
•good idea! gonna look rn
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Sofia Morales
You can also check your 1099-MISC or other tax documents from H&R Block - they should show any fees or advance amounts that were deducted. If you're still unsure, you can always call H&R Block customer service directly with your account info and they can confirm the advance was paid off. Don't stress too much though - these advances are designed to be automatically deducted from your refund, so if you received money back, you're almost certainly good to go!
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Mateo Hernandez
•This is really helpful advice! I didn't know about the 1099-MISC showing the advance info. @Sofia Morales do you know if H&R Block sends those documents automatically or do I need to request them?
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Liam Murphy
•They should send them automatically if you had an advance - usually by January 31st. But if you can't find it, you can download it from your H&R Block online account under "Tax Documents" or call them to request a copy. The document will show exactly how much was deducted for the advance so you'll have peace of mind!
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