Social Media Means
Social Media Means
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By completing the return before your credit card company reports a high balance to the credit bureaus, you'll avoid a change to your credit scores. If you don't make your returns before your credit is reported, the purchases you plan to return will be included in your balance and raise your credit utilization ratio.
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Read More »There are a variety of reasons you may return items. Maybe you ordered something online and didn't like it when it arrived. Or, maybe the retailer shipped the wrong items or you found better options elsewhere. So does returning items directly affect your credit? The only way is if you used a credit card to make the purchase, and returning it will drastically affect your credit utilization ratio. Credit utilization is the amount of your total available credit you're using and it's one of the most important factors in your credit score. Returning Items Might Affect Your Credit Utilization Ratio Your credit utilization ratio is usually expressed as a percentage and accounts for 30% of your FICO® Score☉ , the score most commonly used by lenders. So it's important to keep a close eye on it. Most experts recommend keeping your utilization ratio below 30% to avoid hurting your scores, and below 7% for the best scores. If you have one credit card and it has a $1,000 limit, for example, try to keep your balance below $300. If you racked up a high balance on your credit card with a few large purchases and then decided to return the items, you could expect a high credit utilization until your returns were processed. This could cause your credit score to go down temporarily. By completing the return before your credit card company reports a high balance to the credit bureaus, you'll avoid a change to your credit scores. If you don't make your returns before your credit is reported, the purchases you plan to return will be included in your balance and raise your credit utilization ratio. Do You Lose Rewards on Returned Purchases? When you return an item you bought with a credit card, you'll get your money back, but you'll also lose any credit rewards you may have earned. Anytime you return a purchase, your points or cash back will be deducted from your account. If this weren't the case, making returns would be an easy way to take advantage of rewards systems. Credit card holders could simply rack up spending on purchases, earn rewards and then make returns. Don't let the fact that you'll lose rewards keep you from returning items you can't afford or don't want. Remember that you can earn those rewards again when you make purchases down the road.
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Read More »After you submit your return If the IRS rejects your return, the email will list the reasons for rejection (error) and provide a link you should use to resolve the rejection issue. If your corrected return is not accepted by the end of the filing season in mid-October, mail in your printed copy.
The Taxpayer Advocate Service is an independent organization within the IRS that helps taxpayers and protects taxpayers’ rights. We can offer you help if your tax problem is causing a financial difficulty, you’ve tried and been unable to resolve your issue with the IRS, or you believe an IRS system, process, or procedure just isn’t working as it should. If you qualify for our assistance, which is always free, we will do everything possible to help you.
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