If you have bad credit and file your taxes at H&R Block, DO NOT choose to get your tax return money in 2 days or less. You will not qualify even if they tell you, "no problem, you'll qualify." I waited 2 days and did not get my $$. I immediatly researched online and found a mountain of complaints. I called H&R Block and found out that I too was denied and now have to wait the normal 8-15 days. Turbo Tax is free and I wish I would have just gone that route. If I had, I would have saved $260 and the fee for the 2-day... read full review »