This article explains how to read a combined (household) income verification report from Payscore. A combined report is generated when two or more applicants are grouped together, allowing you to evaluate income at the household level instead of individually.
While combined reports are most commonly generated from bank-based income verification, the same concepts apply when applicants verify income through payroll connections or uploaded documents. All verified income is combined into a single household view.
1. Criteria
The Criteria section evaluates the total household income against your configured requirements.
Unlike individual reports, criteria outcomes here are based on:
The combined income of all applicants
Aggregated recurring and non-recurring income
Household-level balances (when applicable)
Color indicators:
Green outcomes indicate the household meets the requirement
Red outcomes indicate the household does not meet the requirement
Criteria behave the same way as individual reports—only the income inputs differ.
2. Combined Net Income Summary
The Combined Net Income Summary aggregates income from all applicants in the household.
This section shows:
Total recurring household income
Total non-recurring household income
Combined total income
Monthly averages over different time periods
The structure mirrors an individual income report, but the values represent the sum of all verified income across applicants.
If income comes from different verification methods (bank, payroll, or documents), Payscore combines them into a single household calculation.
3. Individual applicant breakdowns
Below the combined summary, the report displays individual sections for each applicant in the household.
Each applicant section may include:
An individual Net Income Summary
Recurring income breakdowns
Non-recurring income breakdowns
Pay gaps (when applicable)
Account balances (bank-based reports only)
This allows you to:
Evaluate the household’s ability to meet criteria
Independently review each applicant’s income details
Understand how each person contributes to the household total
Important notes
Household reports are generated automatically when applicants are grouped
Income is aggregated consistently across bank, payroll, and document verification
Account balance sections appear only for bank-based reports