Payscore income reports typically include up to one full year of net income data. The exact amount of data available depends on how the applicant chooses to complete verification and the limits of the connected institution.
Where to see the income time period
You can see the time period covered by the report in the Net Income Summary section at the top of the income report.
When a full year of income data may not be available
In some cases, Payscore may receive less than a full year of income data. When the available data covers less than 90 days, the report will include a warning indicating that income history is limited.
If you see this warning, you may want to request additional proof of income from the applicant.
Common reasons income data may be limited
1. The applicant recently opened or switched bank accounts
If an applicant recently opened or switched to a new bank account, Payscore can only retrieve income history from that account.
If the applicant’s previous bank account is still active, the applicant may be able to connect that account to provide additional income history, even if it is slightly outdated.
2. The applicant’s bank limits historical data
Most banks support at least one year of transaction data, but some institutions restrict how much data they share.
The amount of income history available is ultimately determined by the financial institution—not Payscore.
Payroll data (applicant-selected option)
In some cases, applicants may choose to verify income by connecting a payroll provider instead of a bank.
Important notes:
Customers do not choose payroll — this option is selected by the applicant during verification
Payroll data is pulled for as long as the applicant has been employed at the company
This can result in more than one year of income history
The report reflects employment-based income rather than bank transactions
Payroll verification can be helpful when:
The applicant recently changed banks
Bank data is limited or unavailable
Longer-term income history is needed
Summary: What to expect
Bank verification:
Up to one year of net income data (subject to bank limits)
Payroll verification:
Income history for the full duration of employment
Less than 90 days of data:
A warning appears in the report
Additional documentation may be requested if needed