Is Tax1099.com secure enough to submit my SSN and contractor information?
I just started my window cleaning business last year and I'm only 18, so this is all new to me. I need to send 1099-NECs to three contractors who helped me with some bigger commercial jobs. The Tax1099.com website is asking for my social security number as well as my contractors' SSNs to complete the forms. I know collecting SSNs is normal for 1099-NEC filing, but I'm pretty nervous about entering this sensitive information online. My contractors are also questioning if they should give me their SSNs since they've never worked as independent contractors before. Is Tax1099.com legitimate and secure enough for handling this kind of personal information? Are there better alternatives I should consider? I want to do everything properly but also keep everyone's information safe.
20 comments


Benjamin Kim
Tax1099.com is a legitimate IRS-authorized e-file service provider. They're listed on the IRS website as an approved vendor for electronic filing. They use encryption and security measures that comply with IRS standards for handling sensitive personal information. That said, there are several options for filing 1099-NECs. You can use Tax1099.com, other services like Track1099 or FileTaxes.com, or even file paper forms directly with the IRS. Most tax software like TurboTax and H&R Block also have options for filing 1099s. For collecting contractor SSNs, you should have them fill out W-9 forms before you pay them. This protects you and gives you the information you need for filing. The contractors should provide this information to you - it's a normal part of working as an independent contractor.
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Samantha Howard
•Thanks for the info! I've actually never heard of using W-9 forms before paying contractors. Does this mean I messed up since I already paid them without collecting W-9s? Can I still get the forms now and file the 1099-NECs properly?
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Benjamin Kim
•You didn't mess up completely - you can still get W-9 forms from them now. Ideally, you would collect W-9s before making payments, but getting them before filing the 1099-NECs is fine. Just reach out to your contractors, explain the situation, and have them complete the forms ASAP. It's good practice going forward to have new contractors complete W-9 forms before you pay them. This ensures you have their correct information for tax reporting and protects you if they provide incorrect information.
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Megan D'Acosta
After dealing with similar concerns last year, I discovered taxr.ai (https://taxr.ai) and it totally changed how I handle my contractor documentation. I was freaking out about collecting SSNs and making sure I was filing everything correctly - especially since I was using multiple platforms to handle different aspects of my business. What I love about taxr.ai is it analyzes all my business documents including W-9s and contractor agreements to make sure everything is properly set up before I even get to the 1099 filing stage. It saved me from making several mistakes with my contractor classifications that could have been really problematic.
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Sarah Ali
•Does it actually handle the filing of the 1099-NECs or just help with reviewing documents? I'm trying to understand if this is an alternative to Tax1099.com or something I'd use in addition to it.
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Ryan Vasquez
•I'm not convinced another service is necessary. Couldn't you just use TurboTax or something similar? Why add another monthly subscription just for document review?
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Megan D'Acosta
•It doesn't handle the actual filing - it's more about making sure all your documentation is correct before you file. It analyzes your contracts and W-9s to identify potential issues with worker classification or missing information that could cause problems later. It's not a replacement for Tax1099.com but more of a preventative tool. I personally find it worth it because it caught several expensive mistakes in how I had classified some of my contractors that would have been problematic during an audit. It's especially helpful when you're new to hiring contractors and don't know all the rules yet.
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Ryan Vasquez
I was super skeptical about all these tax services at first too. After my business partner suggested taxr.ai (https://taxr.ai), I reluctantly tried it last month. I was shocked at how easy it made document management. It actually flagged that two of my "contractors" were technically employees based on our working relationship, which saved me from potential misclassification issues. The document analysis showed me exactly what was missing from my contractor agreements and helped me create proper ones. Now I feel much more confident going into tax season because I know all my documentation is in order before I even start the filing process.
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Avery Saint
If you're concerned about submitting personal info online, you might want to try Claimyr (https://claimyr.com). I was in a similar situation and needed to talk to a real person at the IRS about contractor filing requirements. After wasting hours on hold, I found this service that gets you through to an actual IRS agent. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. It saved me from getting ghosted by the IRS when I had questions about the security of different e-filing providers they approve. The agent I spoke with confirmed which platforms are officially authorized and what security standards they require, which gave me peace of mind.
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Taylor Chen
•Wait, how does this actually work? Doesn't everyone have to wait on hold with the IRS? How can a service possibly get you through faster?
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Keith Davidson
•Sounds like a scam honestly. The IRS doesn't give priority access to anyone. I doubt this actually works - probably just charges you money to wait on hold like everyone else.
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Avery Saint
•It uses an automated system that waits on hold for you. When an IRS agent picks up, it calls you and connects you directly to them. It's not about priority access - everyone's still in the same queue, but you don't have to personally sit there listening to hold music for hours. It's definitely not a scam. The IRS themselves have acknowledged these callback services exist - they just can't officially endorse any specific one. It just automates the hold process so you can do other things while waiting for an agent to become available.
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Keith Davidson
Just tried Claimyr today after being skeptical in my previous comment. I was honestly surprised - it actually works exactly as described. I needed clarification on contractor vs employee classifications for my business, and after my previous attempts of waiting on hold for 2+ hours and getting disconnected, this was a game-changer. The IRS agent I spoke with was super helpful and confirmed that Tax1099.com is indeed an authorized e-file provider. She explained the security requirements these approved vendors must meet, which gave me confidence to proceed. The whole conversation took maybe 15 minutes once I was connected. Definitely worth it if you need to actually speak with someone at the IRS.
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Ezra Bates
One thing nobody mentioned - you need to check if your state requires state 1099 filing too. I learned this the hard way last year. Had to pay penalties because I only filed federal 1099s and didn't realize my state needed them separately. Some states automatically get the info from the IRS but others don't. Also, your contractors might appreciate knowing they'll get those forms. Lots of newbie contractors don't set aside money for taxes and get shocked when they see their 1099 income.
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Ana Erdoğan
•Good point! What's the easiest way to check state requirements? Is there a resource that lists all the states that require separate filings?
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Ezra Bates
•The Federation of Tax Administrators website has info on state requirements, but honestly it's easier to just google "[your state] 1099 filing requirements." Most state tax department websites have a business section that covers this. Some states like California, Georgia, and Wisconsin definitely require state 1099 filing. Others like Texas don't have state income tax so they don't require it. Tax1099.com and similar services usually offer state filing too, sometimes for an additional fee.
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Sophia Carson
Just FYI - the IRS has free fillable forms for 1099-NEC that you can print and mail. You don't have to use a paid service unless you're filing more than 10 forms. https://www.irs.gov/forms-pubs/about-form-1099-nec
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Elijah Knight
•Doesn't that create more security risks though? Now you're printing forms with SSNs and mailing them. Seems less secure than using an encrypted online service.
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Anna Stewart
As someone who went through this exact situation when I started my landscaping business at 19, I totally understand your concerns about data security. Tax1099.com is indeed IRS-authorized and uses bank-level encryption, but here's what I wish someone had told me: Before you even worry about which service to use, make sure you understand the $600 threshold rule. You only need to file 1099-NECs for contractors you paid $600 or more during the tax year. If any of your three contractors received less than $600, you don't need to file for them (though it's still good practice to collect W-9s). For security, I'd recommend calling Tax1099.com directly to ask about their specific data protection measures. Any legitimate service should be transparent about their security protocols. You can also check if your business bank offers 1099 services - many do, and since you already trust them with your banking info, it might feel more secure. One last tip: when you contact your contractors for their W-9s, explain that this is standard business practice and required by law. Most understand once you explain it properly. Good luck with your window cleaning business!
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Lia Quinn
•This is really helpful advice! I didn't know about the $600 threshold - that might actually eliminate one of my contractors from needing a 1099-NEC since I only paid them $450 for a one-time job. Calling Tax1099.com directly is a great idea too. I'm the type of person who feels better talking to a real person about security concerns rather than just reading about it on a website. Do you remember if they were pretty responsive when you called them? Also, thanks for the tip about explaining the W-9 requirement to contractors. I was worried they'd think I was trying to scam them or something, but framing it as "required by law" and "standard business practice" makes it sound much more legitimate.
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