FraudWorks
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Use case · Rental applications

Check the pay stubs applicants send you

Look for edited income, fabricated pay stubs, and bank statements that do not add up.

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  • Pay stubs
  • Bank statements
  • Offer letters

The problem

Why this needs checking

Pay stub generators and PDF editors make it easy to inflate income. Small landlords rarely have time to verify every figure by hand.

Example result · Pay stub with wrong taxes

Needs review

Social Security withholding is off. Medicare withholding is off.

chk_27HQPHH3GA5MTNVVHS9C89732T · engine 1.0.0

Risk Score48/100
Document typePay stub
Created withExample Payroll Cloud 5.0
Edited after creationNo signs
AI provenanceNot found
Math checksFlagged: Failed
Pages1
Page 1 of the document

What it looks for

The signals that matter here

paystub_math_mismatchPay stub does not add upGross pay minus deductions does not equal net pay, or year-to-date values are inconsistent.paystub_tax_rate_anomalyPayroll tax rate is offSocial Security or Medicare withholding does not match the statutory rate.math_running_balance_mismatchRunning balance does not add upA bank statement balance does not follow from the previous balance and the transaction.pdf_producer_mismatchPDF producer mismatchThe PDF says it was created by one system but last written by a consumer PDF editor.metadata_strippedMetadata is missingThe file has no creation metadata at all, which is unusual for exported statements and invoices. Weak on its own.

How teams use it

Three steps, no integration

  1. 01Upload what the applicant sentPay stubs and statements, as PDFs or photos.
  2. 02See what does not add upNet pay, withholding rates, and running balances, each checked.
  3. 03Follow upAsk the applicant about the specific finding, with the page marked.

FraudWorks results are fraud risk signals for your own internal review. They are not consumer reports and should not be the only basis for denying housing, credit, employment, or insurance.

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