I went to get my taxes done with my W-2's on Jan 02, 02 . I was given the option to get the 1000 Emerald Advantage which is ADVERTISED to just bring in your last pay stub and you could get up to a 1000. until you get your Income taxes back on your refund. Please dont fall for this I was never once ask or told my credit would be checked because if so I knew I would be denied. If that was the case I would just go get a loan . More Info needs to be given out before you go into the office . I know H&R Block are going to have alot of unhappy customers.