How to Read a Document-Based Income Verification Report

This article explains how to read a document-based income verification report from Payscore. This type of report is generated when an applicant uploads documents—such as paystubs or bank statements—because standard bank or payroll verification could not be completed.

Document-based reports use the same core report structure as other income reports, with additional sections related to uploaded documents and fraud risk analysis.

When this report is generated

A document-based income verification report is created when:

The applicant attempts standard income verification
A bank or payroll connection cannot be completed
Document verification is enabled for the customer
The applicant uploads supported documents

Report layout overview

This report includes the following sections:

Report Header
Criteria
Net Income Summary
Document Verification Summary
Net Income Sources
Parsed Document Details
Uploaded Documents

1. Report header

The report header displays:

Applicant name
Report creation date
Property name
Monthly rent used for evaluation

This section appears the same across all income report types.

2. Criteria

The Criteria section evaluates the applicant’s income against your configured requirements.

Each row shows:

Your Requirement — the threshold you configured
Outcome — the applicant’s calculated result

Color indicators:

Green values indicate the requirement is met
Red values indicate the requirement is not met

Criteria behave the same way across bank-based, payroll-based, and document-based income reports.

3. Net Income Summary

The Net Income Summary aggregates income extracted from uploaded documents and presents it using the same structure as other income reports.

This section includes:

Recurring income
Non-recurring income
Total income
Monthly averages over different time periods

Income shown here is calculated from parsed document data, not from bank or payroll connections.

4. Document Verification Summary

The Document Verification Summary provides a high-level view of the documents uploaded by the applicant and the results of automated fraud analysis.

For each document, you’ll see:

File name
Document type (for example, paystub or bank statement)
Fraud risk level
Any detected risk signals or reasons

Fraud risk levels include:

Low — no significant risk signals detected
Needs Review — potential risk signals detected
High — strong indicators of potential fraud

These indicators help determine whether documents can be accepted automatically or require manual review.

You can find more information on risk signals here.

5. Net Income Sources

The Net Income Sources section shows how income is grouped by source based on parsed document data.

For document-based reports, sources typically reflect:

Income extracted from paystubs or bank statements
Employers or income sources identified within the documents

Each source includes total and monthly income amounts used in criteria evaluation.

6. Parsed document details

This section displays structured data extracted from uploaded documents.

If paystubs are uploaded

Parsed fields may include:

Gross pay
Base pay
Net pay
Pay period
Pay date

If bank statements are uploaded

The report follows the same structure:

Income is extracted from statement deposits rather than payroll entries
Parsed income contributes to the Net Income Summary and Net Income Sources sections
Individual statement data replaces paystub entries in this section

Documents other than paystubs or bank statements (such as offer letters, PDFs without income detail, or miscellaneous files) are not parsed for income calculations. These documents may still appear in the report as supporting files or risk signals, but their contents are not automatically extracted into income data.

Regardless of document type, only supported, parseable documents are used to calculate income and evaluate criteria consistently within the report.

7. Uploaded documents

At the bottom of the report, the Uploaded Documents section displays the original files submitted by the applicant.