No. Payscore does not approve or deny applicants.
Our platform provides verified income, identity, and supporting data so your team can make decisions using your own internal screening policies and criteria.
What Payscore does provide
Payscore generates objective verification reports based on:
Bank data (when connected)
Payroll data (when available)
Parsed document data (if document verification is enabled)
Identity verification results (if enabled)
These reports are designed to support your review process by presenting verified data, income calculations, and relevant risk signals in a structured format.
Pass/Fail outcomes and configuration
Payscore only displays a Pass/Fail outcome if your organization has explicitly configured a pass/fail policy with us.
If this setting is:
Enabled and configured: The report will show whether the applicant meets your defined criteria
Not enabled: The report will display verification data and income calculations only, without a Pass/Fail result
Any Pass/Fail shown in the report is based strictly on the rules and thresholds your team has configured. It is not an approval or denial decision made by Payscore.
Criteria results are not approval decisions
Even when a Pass/Fail status appears in the report, it reflects whether the applicant meets your configured criteria — not a leasing decision.
Your organization is responsible for:
Approval standards
Review thresholds
Exception handling
Final application decisions
Why Payscore does not provide approval or denial recommendations
Payscore is a verification platform, not a decisioning engine.
We provide:
Verified financial and identity data
Structured income calculations
Risk indicators and consistency checks
Configurable criteria evaluations (if enabled)
We do not:
Recommend approvals or denials
Apply leasing or underwriting policies
Override your internal screening guidelines
How customers should use the report
Most customers use Payscore reports as one component of their broader screening workflow, alongside:
Credit screening
Background checks
Rental history
Internal qualification policies
You should review the full report and apply your established policies to determine the appropriate outcome.
Important compliance note
Approval and denial decisions should always be made in accordance with your organization’s:
Internal screening policies
Fair housing requirements
Compliance and regulatory guidelines
Payscore provides verification data and configurable criteria results to support objective decision-making, but the final determination must always be made by your organization.