Americans are very much tied to their employment here in the United States. Showing proof of income can be an essential part of so many tasks, from acquiring housing to applying for a loan.

As such, pay stubs and proof of payments can take on an important role in these kinds of transactions. If you are on the receiving end of a pay stub, how can you be sure it is the real thing and not something fabricated?

Determining the difference between fake and real check stubs can be difficult but doesn’t need to be impossible. Read on and we’ll walk you through what you need to know. 

Basic Information Should Be Correct

Unlike real check stubs, fake pay stubs often contain a wealth of incorrect information. This is because fake pay stub generators often contain generic information, and it’s possible a person didn’t think to switch certain areas out when creating the fake stub.

If someone’s name, occupation, or date of birth is incorrect, you can feel pretty confident that the pay stub is not a real one. Any spelling errors, really, across the board should be an indicator to be suspicious of the stub in front of you.

Most real pay stubs won’t have any of these kinds of indicators. 

No Clean, Round Numbers

The math as it comes to someone’s weekly pay is quite complicated. There are taxes to be taken out, percentages to be pushed towards things like Social Security, and so forth. There’s a reason that accountants are there to do this kind of work.

If you’ve been handed a pay stub with neat and rounded numbers, it’s a good indication that it might not be an accurate representation of one’s pay situation. 

Real accountants care about everything down to the penny, and would not be rounding up to the nearest dollar under most circumstances. 

Easy to Read

If a paystub is barely legible, or if it has confusing formatting that makes it hard to follow? That might be a sign that it is fake.

There’s no real example of the perfect pay stub out there, but the formatting of a real pay stub should at least have some sort of logic to it. It should be printed on quality paper with legible ink printing. 

There are small businesses that might have pay stubs of lesser quality, but the accounting and overall formatting of these stubs should still stand up to scrutiny.

If you have any questions about a pay stub you’ve been given, you can always ask to call and speak to that person’s employer and verify the information.

Differences Between Fake and Real Check Stubs

If you find yourself in a situation where you need to verify someone’s pay, it can be important to be able to distinguish between fake and real check stubs. The information above can help you to determine how best to do that.

Need more everyday advice and tips? Keep scrolling our blog for more.

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