Tax season is stressful enough without worrying whether the person preparing your return is actually qualified — or worse, trying to scam you. Every year, thousands of people fall victim to shady tax preparers who file fraudulent returns, inflate deductions to get bigger refunds (and bigger fees), or vanish with personal info altogether.
If you’re planning to work with a tax professional this year, it’s critical to do your homework. Here’s how to tell if a tax preparer is legit — before you hand over sensitive documents like your W-2, Social Security number, or bank account details.
1. Check Their PTIN
Every paid tax preparer is required by the IRS to have a Preparer Tax Identification Number (PTIN). This is a basic credential that identifies them in IRS records and must be included on every tax return they file for compensation.
You can verify a PTIN at the IRS’s official directory:
Red flag: If the preparer doesn’t have a PTIN or refuses to sign your return, walk away.
2. Ask About Their Credentials
There are several types of tax pros, and not all are created equal. Look for one of the following:
- Enrolled Agent (EA): Licensed by the IRS. Specializes in taxes and can represent you in audits.
- Certified Public Accountant (CPA): Licensed by state boards. Can handle complex tax and accounting issues.
- Tax Attorney: Licensed legal professional specializing in tax law.
- Annual Filing Season Program (AFSP): Voluntary IRS program for non-credentialed preparers who meet continuing education standards.
Tip: If your return is simple, an AFSP or EA might be enough. For business owners or complex filings, a CPA or EA with experience is better.
3. Ask About Their Experience (and Specialties)
Good preparers should be able to answer:
- How long have you been preparing returns?
- Do you specialize in individuals, businesses, or both?
- Do you have experience with my type of tax situation (freelance income, real estate, crypto, etc.)?
Tax laws change constantly — a good preparer stays up to date and can answer your questions clearly without guessing.
4. Review Their Fees — and Watch for Red Flags
Most reputable tax pros charge a flat fee or hourly rate based on the complexity of your return. They should not base their fee on the size of your refund.
Red flags to avoid:
- Charging a percentage of your refund
- Promising “maximum refunds” before seeing your documents
- Asking for large cash-only payments
Tip: Always get a written quote or estimate before agreeing to service.
5. Ask If They E-File
The IRS requires all preparers who file more than 10 returns a year to submit electronically. E-filing is faster, safer, and more accurate than mailing paper forms.
If your preparer insists on paper filing, they may not be legitimate — or not filing at all.
6. Check Their Reputation
Search their name or business on Google, Yelp, and BBB. Look for:
- Consistent reviews over time
- Feedback about accuracy, communication, and professionalism
- Complaints about fraud or disappearing after filing
Tip: Ask for referrals from people you trust — especially if they have similar financial situations.
7. Ask Who Signs the Return
You should never sign a blank tax return. The preparer must review everything with you, sign the return, and include their PTIN.
Red flag: If the preparer asks you to sign a return without seeing the final version or refuses to put their own name on it, that’s a huge red flag.
8. Avoid Pop-Up Shops and Fly-By-Night Preparers
Some tax scammers rent temporary spaces during tax season, make false refund claims, and vanish after April. They may:
- Use fake addresses
- Promise massive refunds regardless of your income
- Inflate income or credits to get higher refunds (you’re on the hook for fraud!)
Tip: Stick to professionals who work year-round or are tied to reputable businesses.
9. Don’t Overshare Upfront
Before you verify their credentials, don’t share:
- Your full SSN
- Bank account numbers
- Full tax documents
It’s fine to describe your tax situation in general terms. Once you’ve confirmed they’re legit, then share documents securely (ideally through a secure portal, not regular email).
10. Ask What Happens After Filing
A legit tax pro doesn’t disappear after April. Ask:
- Will you be available if I get a letter from the IRS?
- Do you offer audit support or representation?
- How do you store my documents and protect my data?
Responsiveness matters — especially if you’re audited or need to amend your return.
Bonus: Use the IRS Directory
The IRS maintains a searchable directory of qualified tax preparers:
https://irs.treasury.gov/rpo/rpo.jsf
It lists EAs, CPAs, AFSP participants, and attorneys with valid PTINs — including location and contact details.
Summary: Trust, But Verify
- ✅ Always check for a valid PTIN
- ✅ Understand their credentials and experience
- ✅ Get a clear fee structure
- ✅ Never sign a blank return
- ✅ Avoid anyone promising huge refunds or asking for secrecy
Whether your taxes are simple or complex, choosing the right pro protects your money, your privacy, and your peace of mind.
Need Help Finding a Trusted Tax Preparer?
At Trusted in Town, we connect individuals and small business owners with vetted, experienced tax professionals in their area — no spam, no gimmicks. We screen for credentials, transparency, and real client reviews.
Reach out here and we’ll match you with someone you can trust before the next tax deadline hits.