Author Archives: Admin

About Admin

Hello, My name is Oni. I was a victim of a dirty bad housing fraud back in 2003. This woman who I will not name in this blog pretended to be me for god knows how long in the city of Palmdale California. Not only did this person purchase a home in Palmdale California under my credit profile' but she also took out credit cards in my name, and also took out many loans on the home she bought with my credit profile. Then she did the worst thing to my credit profile she went to Bankruptcy court-filed documents in my name and credit profile. I only found out when trying to use a credit card I had not used in many years. I called this cardholder to find out my limit so I could make a purchase for my husband's Christmas gift in the year 2003. But to my surprise, this cardholder told me I had no credit limit on this card because I filed for bankruptcy last month in September of 2003. I stated to the company cardholder there must be some mistake I do not own a home at this time and lived in a townhouse over 100 miles away from where this crime took place. He stated to me yes we have updates on the cardholders monthly, and we took away all of the credit limits from this card. Now was I very hot finding out not only did someone use my name but they purchase a home in my name, and also filed Bankruptcy on credit profiles. I then went to the net to find out if I really own a house in my name. I got myself an updated credit history report. I found out this guy was right I did own a home in Palmdale, and I filed Bankruptcy by their records this was correct. I was so upset since I was in the process of getting a home loan with my credit score at the time being 750 with 3 open good standing accounts, and good credit history with the credit companies. My next move was to prove who I was, and where I lived for over 10 years. A police report was filed in the city which I live in at this time in 2003. I gave the police my fingerprints, and my handwriting so that I would have this on file for my court case. Someone was going to pay for what was done to me. I contacted the loan people , and told them who I was and that I wanted them to remove this from my credit profile since I have not filled out any paperwork with them on any loans. They laugh at me and said I should have paid my payment on this home that this low-down dirty woman bought in my name, and credit profile. I then called the Bankruptcy court where the case took place. Nice men there ask me my ssn I gave him my number he searches, and search the files but could not find any Bankruptcy filed in my name at all under the ssn i gave him. So I gave him the court information I had on the credit reports I purchased online. He said this was not my Bankruptcy at all there were 3 numbers turn around but it was a close match but the name was very different spelled among other things. He said I am going to send you out a report of the Bankruptcy that was in your name but not SSN. I contacted a law firm on this matter when I tried over, and over to work things out with the bank over this huge mix up . They lied to me after I went out, and paid for services to help them get their funds back from this house that did not belong to me at all since only my name was used, and ssn was not correct for me to even be having this on my credit profile. I got sick, and tired of the banks after they sold this home while I was on vacation out of the states. A call was left on my home phone that they lied to the people I paid to help them get their funds back on a home I did not even own in my SSN. But was in my name which was not spelled correctly. After all this big mess with my credit profile, I had to get help from a law firm who I told my story and handed him the proof I could have never done this loan on this home I was taking finals over a 100 mile plus away, and the handwriting did not match my writing at all. We went to court I took everyone to court on this matter. I wanted my credit fix, and I was not taking any more crap from anyone over this home loan that someone did in my name. I won my case in court, and that was easy to do since I went back to the court where the Bankruptcy had been done in the first place. The judge who did the Bankruptcy remembers the case and the women that came the day of the Bankruptcy hearing. Guess what I was not the woman that came to court at all. The judge said any fool can see the handwriting does not match the police handwriting file, and the fingerprints sure do not match this person at all that is in front of me. I am proof the judge said this women i never saw before in my life until today , and she is not the person who did this Bankruptcy on this case. The judge made them pay, and also fix all my credit back like it was before all this happen, and they had 2 weeks to do it, and the judge wanted all my credit reports in 2 weeks showing they took all these loans and negative stuff off my reports. My reports were back to normal but I had to stay up on it every few months. The loans were sold again, and again. I got many collectors trying to collect on a court case that had been settled because they sold the loans over, and over again in my name. I wrote everyone who put things on my profile that they had a week to get it off or I would have them in court for trying to collect on loans that were not mine. I had no problems at all the stuff was taken off right away. But I still keep up with all the credit cards I do own, and monitor my credit profiles every few months. Now that is why my website is called I hope my credit story can help those who have been going through fraud among other types of credit problems.



Do you get 500 per child for stimulus? California $500 Golden Stimulus Dependent Check

Qualified families with dependents, including undocumented families, will also be eligible for an additional $500 dependent payment. This will include dependents in undocumented families.

California will provide the Golden State Stimulus payment to families and individuals who qualify. This is a one-time $600 or $1,200 payment per tax return. You may receive this payment if you receive the California Earned Income Tax Credit (CalEITC) or file with an Individual Taxpayer Identification Number (ITIN).

The Golden State Stimulus aims to:

  • Support low-income Californians
  • Help those facing a hardship due to COVID-19

For most Californians who qualify, you don’t need to do anything to receive the stimulus payment.

When you’ll receive your payment

We schedule and issue stimulus payments twice a month after eligible 2020 tax returns are processed.

Your stimulus payment will not be scheduled until your return is processed. Review our Wait Times dashboard for tax return and refund processing timeframes.

If you filed your tax return between January 1, 2021 and March 1, 2021:

You will receive your stimulus payment beginning after April 15, 2021.

  • Direct deposits: Allow up to 2 weeks
  • Paper checks: Allow up to 4 to 6 weeks for mailing

If you filed your tax return between March 2, 2021 and April 23, 2021:

You will receive your stimulus payment beginning after May 1.

  • Direct deposits: Allow up to 2 weeks
  • Paper checks: Allow up to 4 to 6 weeks for mailing

If you file your tax return after April 23, 2021:

  • Direct deposits: Allow up to 45 days after your return has processed
  • Paper checks: Allow up to 60 days after your return has processed

Some payments may need extra time to process for accuracy and completeness.

Check if you qualify for the Golden State Stimulus

To qualify, you must:

  • Have filed your 2020 taxes
  • Be either:
    • A CalEITC recipient
    • An ITIN filer who made $75,000 or less (total CA AGI)
  • Live in California for more than half of the 2020 tax year
  • Be a California resident on the date payment is issued
  • Not be eligible to be claimed as a dependent

You must include your ITIN on your tax return. Your ITIN cannot be pending. Wait to file your tax return until you have your ITIN. You are eligible for the GSS if you file on or before October 15.

Qualify for CalEITC

To qualify for CalEITC, you must:

  • Have taxable earned income up to $30,000
  • Not use “married/RDP filing separately” if married or RDP
  • Meet all other qualifications

Visit CalEITC for more qualifications and other information.

To make sure you receive your payment, file your 2020 tax return by October 15, 2021.

What you’ll receive

If you meet these qualifications, you may receive either:

  • A one-time $600 payment
  • A one-time $1,200 payment

The payment will be by direct deposit or check in the mail per tax return.

Use the table below to determine your amount.

On your 2020 tax return…Stimulus amount
You are a CalEITC recipient$600
You:Are a CalEITC recipient;File with an ITIN; andMade $75,000 or less (total CA AGI)$1,200
You are not a CalEITC recipient, but you:File with an ITIN andMade $75,000 or less (total CA AGI)$600
You file a joint return and:At least one of you files with an ITINMade $75,000 or less (total CA AGI)$600
You file a joint return and:You are a CalEITC recipientAt least one of you files with an ITINMade $75,000 or less (total CA AGI)$1,200

Typically, you’ll receive this payment using the refund option you selected on your tax return. If you received an advanced refund through your tax service provider, or paid your tax preparation fees using your refund, you’ll receive your payment by check in the mail.

Stimulus payment deadline

To make sure you receive your payment, file your 2020 tax returns by October 15, 2021.

How to get your payment

If you qualify, or think you may qualify, for the Golden State stimulus payment you need to file your 2020 tax return. If you qualify for CalEITC, make sure you claim it on your return.

Use the table below to help guide you.

ScenarioWhat to do
You already filed your 2020 taxes and received a CalEITC refund.You don’t need to do anything. You will receive your payment by direct deposit or paper check.
You filed your 2020 taxes with your ITIN and made $75,000 or less (total CA AGI).You don’t need to do anything. You will receive your payment by direct deposit or paper check.
You filed your 2020 taxes but did not claim CalEITC and you’re eligible for CalEITC.You will complete and mail in the California Earned Income Tax Credit (FTB 3514). Visit You didn’t file for the 2020 CalEITC but you qualified for more information.
You will file a 2020 tax return but will not claim CalEITC.You may still be eligible for the stimulus payment for 2020 if you (or your spouse):File with an ITIN andMade $75,000 or less (total CA AGI)Be sure to file your 2020 tax return no later than October 15, 2021.

Check stimulus payment status

We’ve expedited the delivery of your payment so you can receive it as quickly as possible. Refer to when you’ll receive your payment. Allow 45 days beyond mailing timeframes to allow for processing. If it’s been over 45 days, contact us.

Return an erroneous payment

If you received the Golden State Stimulus payment and believe this is an error, please review the eligibility qualifications above to verify this is an erroneous payment. Once verified, follow the instructions that correspond to the payment received:

Direct deposits:

  1. Contact your financial institution and advise that you are refusing this payment.
  2. If there are issues with the payment refusal with your financial institution, contact us.

Paper checks that have not been cashed:

  1. Keep the stub attached to check. Do not endorse the check.
  2. Include a letter of explanation, including recipient taxpayer name and identification number (SSN or ITIN) and stating you received the GSS payment erroneously.
  3. Mail the original check and letter of explanation to:FTB – Accounting Section
    ATTN: Golden State Stimulus Fund
    PO Box 2800
    Sacramento, CA 95812-2800

Paper checks that have been cashed:

  1. Send a personal check or money order payable to Franchise Tax Board.
  2. State “Erroneous GSS payment” on the check/money order memo area.
  3. Include a letter of explanation, including the recipient taxpayer name and identification number (SSN or ITIN) and stating you received the GSS payment erroneously.
  4. Mail your personal check/money order and letter of explanation to:FTB – Accounting Section
    ATTN: Golden State Stimulus Fund
    PO Box 2800
    Sacramento, CA 95812-2800

New law extends COVID tax credit for employers who keep workers on payroll

WASHINGTON — The Internal Revenue Service urges employers to take advantage of the newly-extended employee retention credit, designed to make it easier for businesses that, despite challenges posed by COVID-19, choose to keep their employees on the payroll.

The Taxpayer Certainty and Disaster Tax Relief Act of 2020, enacted December 27, 2020, made a number of changes to the employee retention tax credits previously made available under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), including modifying and extending the Employee Retention Credit (ERC), for six months through June 30, 2021. Several of the changes apply only to 2021, while others apply to both 2020 and 2021.

As a result of the new legislation, eligible employers can now claim a refundable tax credit against the employer share of Social Security tax equal to 70% of the qualified wages they pay to employees after December 31, 2020, through June 30, 2021. Qualified wages are limited to $10,000 per employee per calendar quarter in 2021. Thus, the maximum ERC amount available is $7,000 per employee per calendar quarter, for a total of $14,000 in 2021.

Employers can access the ERC for the 1st and 2nd quarters of 2021 prior to filing their employment tax returns by reducing employment tax deposits. Small employers (i.e., employers with an average of 500 or fewer full-time employees in 2019) may request advance payment of the credit (subject to certain limits) on Form 7200, Advance of Employer Credits Due to Covid-19, after reducing deposits. In 2021, advances are not available for employers larger than this.

Effective January 1, 2021, employers are eligible if they operate a trade or business during January 1, 2021, through June 30, 2021, and experience either:

  1. A full or partial suspension of the operation of their trade or business during this period because of governmental orders limiting commerce, travel or group meetings due to COVID-19, or
  2. A decline in gross receipts in a calendar quarter in 2021 where the gross receipts of that calendar quarter are less than 80% of the gross receipts in the same calendar quarter in 2019 (to be eligible based on a decline in gross receipts in 2020 the gross receipts were required to be less than 50%).

Employers that did not exist in 2019 can use the corresponding quarter in 2020 to measure the decline in their gross receipts. In addition, for the first and second calendar quarters in 2021, employers may elect in a manner provided in future IRS guidance to measure the decline in their gross receipts using the immediately preceding calendar quarter (i.e., the fourth calendar quarter of 2020 and first calendar quarter of 2021, respectively) compared to the same calendar quarter in 2019.

In addition, effective January 1, 2021, the definition of qualified wages was changed to provide:

  • For an employer that averaged more than 500 full-time employees in 2019, qualified wages are generally those wages paid to employees that are not providing services because operations were fully or partially suspended or due to the decline in gross receipts. 
  • For an employer that averaged 500 or fewer full-time employees in 2019, qualified wages are generally those wages paid to all employees during a period that operations were fully or partially suspended or during the quarter that the employer had a decline in gross receipts regardless of whether the employees are providing services. 

Retroactive to the March 27, 2020, enactment of the CARES Act, the law now allows employers who received Paycheck Protection Program (PPP) loans to claim the ERC for qualified wages that are not treated as payroll costs in obtaining forgiveness of the PPP loan.

For more information, see COVID-19-Related Employee Retention Credits: How to Claim the Employee Retention Credit FAQs​​​​​​.


Who is eligible for Child Tax Credit? In order to qualify for this benefit program, the child you are claiming the credit for must be under the age of 17. A qualifying child must be a son, daughter, foster child, brother, sister, stepbrother, stepsister, or a descendant of any of them (for example, your grandchild, niece, or nephew). An adopted child, lawfully placed with you for legal adoption, is always treated as your own child.

If you’re responsible for any children or young people born before 6 April 2017, you can get up to £3,900 a year in child tax credits for your first child and up to £2,845 a year for each of your other children until they turn 16. You can keep claiming until they’re 20 if they stay in approved education or training.

The benefit is worth up to $300 per month for each qualifying dependent child under age 6 on December 31, 2021, and up to $250 for each child between the ages of 6 and 17 on December 31, 2021.May 21, 2021


There have been important changes to the Child Tax Credit that will help many families receive advance payments starting this summer. The American Rescue Plan Act (ARPA) of 2021 expands the Child Tax Credit (CTC) for tax year 2021 only.

The expanded credit means:

  • The credit amounts will increase for many taxpayers.
  • The credit for qualifying children is fully refundable, which means that taxpayers can benefit from the credit even if they don’t have earned income or don’t owe any income taxes.
  • The credit will include children who turn age 17 in 2021.
  • Taxpayers may receive part of their credit in 2021 before filing their 2021 tax return.

For tax year 2021, families claiming the CTC will receive up to $3,000 per qualifying child between the ages of 6 and 17 at the end of 2021. They will receive $3,600 per qualifying child under age 6 at the end of 2021. Under the prior law, the amount of the CTC was up to $2,000 per qualifying child under the age of 17 at the end of the year.

The increased amounts are reduced (phased out), for incomes over $150,000 for married taxpayers filing a joint return and qualifying widows or widowers, $112,500 for heads of household, and $75,000 for all other taxpayers.

Advance payments of the 2021 Child Tax Credit will be made regularly from July through December to eligible taxpayers who have a main home in the United States for more than half the year. The total of the advance payments will be up to 50 percent of the Child Tax Credit. Advance payments will be estimated from information included in eligible taxpayers’ 2020 tax returns (or their 2019 returns if the 2020 returns are not filed and processed yet).

The IRS urges people with children to file their 2020 tax returns as soon as possible to make sure they’re eligible for the appropriate amount of the CTC as well as any other tax credits they’re eligible for, including the Earned Income Tax Credit (EITC). Filing electronically with direct deposit also can speed refunds and future advance CTC payments.

Eligible taxpayers do not need to take any action now other than to file their 2020 tax return if they have not done so.

Eligible taxpayers who do not want to receive advance payment of the 2021 Child Tax Credit will have the opportunity to decline receiving advance payments. Taxpayers will also have the opportunity to update information about changes in their income, filing status or the number of qualifying children. More details on how to take these steps will be announced soon.

The IRS also urges community groups, non-profits, associations, education groups and anyone else with connections to people with children to share this critical information about the CTC. The IRS will be providing additional materials and information that can be easily shared by social media, email and other methods.

The IRS will provide more information about advance payments soon.