The first rule of thumb: Always check employment references, and make sure you ask your prospective tenant about contacting their current employer.
#How to create fake bank statement how to
How to Spot a Fake Pay Stubįortunately, there are a few ways to spot a fake pay stub. With an easily downloaded pay check template (and the Internet is rife with them), a program such as Photoshop and some graphic design talent, it’s easy to create a pay stub out of thin air, or alter an existing pay stub to match any income requirements. If $9 is too much to pay for a fake pay stub, would-be renters who are even slightly tech-savvy have another option. (In fairness to Paystubcreator, they seem at least somewhat concerned about preventing fraud, and offer their own tips about how to spot fake pay stubs.) Ways Fake Pay Stubs may be Created at Home That leaves things open to abuse by dishonest folks. However, none of the sites seem to have any way to verify that the information someone inputs matches anything. If an individual inputs accurate numbers, then there should be nothing wrong with that. However, Paystubcreator, yet another pay stub generation site, explains that they exist to help self-employed individuals and freelancers (who often don’t have traditional pay stubs) verify their income for things like rental applications. It may seem impossible for pay stub generation sites to be legal. There is one exception, which we will touch on now. It should be asked: why would someone need to use sites like these if all they need is a copy of their actual pay stub? In Massachusetts, employers are required to provide pay stubs to their employees, and getting a second copy should be as simple as contacting one’s human resources or accounting department. For $8.99 you’ll receive a printable file within minutes that includes “a background similar to the background found on paycheck stub stock.” will do all that and more: Their site also offers a way to help users generate a W2. Some sites go far to suggest authenticity, with names like Real Check Stubs, but you can enter whatever information you’d like and no one verifies it. How to Buy a Fake Pay StubĪ quick Internet search will turn up a plethora of websites eager to help you create a pay stub that says whatever you need it to. And while the average rent in Boston is lower than in Manhattan ($ 3,432 compared to $4,208, respectively), no matter how you do the math, those are still not small numbers. Massachusetts housing providers typically expect tenants to demonstrate a monthly gross income reflecting three times the rent. In some places, like New York City, landlords may require a gross annual income of 40 times the monthly rent. Most landlords want to see that their tenants have a certain rent-to-income ratio (unless they receive subsidized housing vouchers). In this article, we’ll discuss the methods of obtaining or creating these falsified documents, as well some of the ways you can spot a fake pay stub.
A fake pay stub can be used to falsely verify take-home pay and pass that vital qualifying step.
#How to create fake bank statement software
However, creating a fake pay stub is a relatively simple task with the use of at-home editing software or unscrupulous Internet vendors. Not a bad salary for a freelance writer! But it’s entirely made up, and for $8, could be on its way to convincing a landlord that this writer could easily afford that luxury apartment.