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StubSure analyzes documents for internal inconsistencies. It is not a consumer reporting agency, and its reports are not consumer reports under the Fair Credit Reporting Act. Reports describe documents, not people, and must not be the sole basis for a housing decision. Apply the same screening criteria to every applicant in line with the Fair Housing Act.

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Report flags / documents
CROSS-CHECK

“Year-to-date pay doesn't carry over between stubs”

What this flag on a set of documents means, why it matters, and what to check.

What it means

On consecutive stubs in the same year, the later year-to-date gross isn't the earlier year-to-date gross plus the later stub's gross pay.

Why it matters

Year-to-date totals grow by exactly each paycheck. When stubs are edited one at a time, the totals stop following each other.

Ordinary explanations

  • A stub missing in between, such as an off-cycle bonus check.
  • A mid-year payroll provider change that restarted the totals.

What to check

Ask the employer to confirm year-to-date earnings on each stub. Use the phone number on the employer's official website, not the one printed on the stub.

A flag is a reason to verify with the source, not proof. Apply the same steps to every applicant.

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Related flags

The letter's pay doesn't match the pay stubPaid before the start date in the letterNames on the pay stub and letter don't matchThe letter is from a different employerNet pay never arrives in the bank accountThe matching deposit doesn't look like payroll