fake pay stubs and employment verification

One of the best ways to determine whether or not the person asking for the loan can afford to pay is to see how much they make every month.If you're thinking of using a fake pay stub to scam an insurance company or the government, you should stop yourself now. Income and employment verification services minimize risk and allow your applicant or potential tenant to prove his income without question. If it's a large enough business, ask for the HR department.

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Your focus should be on how to tell if a pay stub is fake. Use a calculator and figure out the earnings and deductions on the pay stub. At the very least, you may have sold a product to someone who can't afford the payments on it. Fake pay stubs are simple to get online, needing only a computer and printer. While this can be handy for self-employed people with no legitimate way to produce a pay stub, it's still a fraudulent act with a host of possible consequences, such as eviction and prosecution.The most obvious way to find out if a pay stub is genuine is to contact the employer whose contact information is printed on it. One sure way (and it may be necessary if the prospect claims to be a contractor) is to get signed permission to access the last two years’ 1040 submissions. Most honest people will have no trouble producing genuine pay stubs to prove their employment, as long as they're not self-employed. If it's something smaller, simply ask for the owner of the business and speak with him.Sometimes the physical condition of the check stub itself can be a red flag, giving you a reason to investigate further. Whether you are buying a new car or applying for an auto loan for the first time, it’s essential to understand how automobile dealerships and lenders see you.

Don't call any alternate number the person gives you, as it could be to a friend that she has waiting to talk with you. Lenders want to know that they're going to be able to get their money back before they loan it out. One of the most common reasons that people make fake pay stubs is when they're trying to get a loan.

Your accountant should be looking for ways to help you end up with a legitimate solution.You could find yourself in hot water without ever breaking the law yourself. Instead, look up the company online and call the number listed there. October, 2017. All check stubs will contain the same basic information, including:As a business document, check stubs should be very straightforward.

Bailey has written for USAToday, Coldwell Banker, and various restaurant magazines, and is the ghostwriter for a nationally-known food safety training guru. Tips for Spotting Fake Pay Stubs. If the numbers are off balance with the decimal places out of line, it's likely that it isn't a genuine article.As the problems with fake income verification increase, more and more companies are simply relying on experts instead of asking for paycheck stubs.

First, they could put you in legal hot water and cause you to end up having to hire a lawyer unnecessarily.

If you sell automobiles, rent housing units or own a high-end jewelry store, it's important to know that your clients can afford to pay for what they want to purchase. Failure to spot the deception could get you in legal and financial trouble. Here are some tips to help you sort the fakes from the real stubs: 1. They will have a very plain font except for perhaps a company logo. This can cost you a small fortune in legal fees and lost time. While it's seen as a service for those working in their shops, it's really a way to scam legitimate businesses.Fake pay stubs are simple to get online, needing only a computer and printer. Real check stubs will have business information included. "Trust but verify" is a motto that's been in the military for a long time, but it's always been the smart way to do business too. Some are straight-out scammers and thieves looking to rip you off for massive amounts of money in high-end merchandise.Some people may not even know that the pay stub they hand you is fake. All information should be neatly aligned, and the math should add up. Paystubs provide valuable information about employees and how much they earn. Unfortunately, not everyone gets caught, and if you can't tell the difference between a real pay stub and a fake, you're in trouble. These small business owners can put any figures they like on these paycheck stubs with no regard for the truth.

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