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Fake Pay Stub Is Illegal

Making Fake  Pay Stubs Illegal

The use of fake stubs is on the rise in the present world and poses a challenge to lenders. Technological advancements and programs have played a big role in the circulation of fake pay stubs around the world. Producing, selling or even buying such kind of documents is not illegal. Illegality comes in the manner the document is used. As much as they look authentic, it is wise if businesses and money lenders found a way to escape been fraud victims. Using fake pay stubs can land offenders a jail term of 30 years. Also, heavy fines can be imposed on them and jeopardize businesses that accept the fake pay stubs. Dealing with fake stubs can put the relationships between banks and lenders under siege. A finance department cannot prosper without the help of a bank. Business should be wary and know how to spot a fake paystub.

Pay stub is an important document required when one thinks of a car loan. A pay stub proves the applicant as an employed personnel and the income they get. Unfortunately, people who do not meet the criteria for a car loan end up producing fake pay stub. You shouldn’t be surprised. Web sites all over allow users to print fake paystub for car loans. Videos posted in YouTube also teach the mass on how to produce authentic documents. Sometimes the banks and or lenders might approve applicants on the spot but later reject them after finding out their real income.

Homeowners who might be facing possible repossession are vulnerable to the fake paystub scam. What they don’t think about is the amount o f money they will use and consequences such as a possible arrest. Ads posted online lie to Consumers of income history as been legal but in the real sense they are committing a felony. Due to pressure in the quest to get a needed loan, the applicant is given the following false privileges:

  • Applicants are given special Misrepresented education grades or levels and other incentives to raise chances of getting a car or an apartment loan. This serves as a major risk to lenders if they fail to notice.
  • Applicants fake companies they work in to get unsuitable loans without qualifications. . Also, the income is put on the high side as it indicates maximum chances of paying back on time.
  • Dealers of fake paystub indicate longer employments periods than it is to meet the set-out criteria. Lenders are left at a risk of falling into traps that seems genuine putting their clients in places they don’t qualify.
  • Applicants, employers or other employees’ dealership raise the income reports of the applicants so as to gain better terms and qualify for the intended loan.

To ensure success and curb cases of fraudulent pay stubs, lenders should get employment verification and income from a credible third party. Adopting such measures will give lenders an overview of their r potential client’s situation and avoid fraud cases.


How to make fake pay stubs

Fake Paycheck Stubs

The first thing you have to have in order to make a fake pay stub is a fake pay stub template. It is a template or sample of the original pay stub listing all the entries which are to be made in the original document. Fake pay stub templates are easily available online you can just download them and use them to create a pay stub you need. Most of these services offered on-line are usually free of cost and do actually help the user. Now you just need to make its copy by using Microsoft Excel, Open Office Calculator or even Google Spreadsheet. Another option can be to scan and edit the pay stub using the Adobe Photoshop or any other photo editing software.

Another way is to simply log on to the Internet and Google out “How to make fake pay stubs”. You will get an entire range of different websites which offer this service free or at very nominal prices. Anyone of them can be used to make a pay stub, just enter the required information and you will get the pay stub. But in using this method you must be careful of the spammers out there who just attract you to make their traffic.

If you are faking the pay stub of a company or organization or some Government agency this is quite a job. You must have the logo of the agency whose pay stub you are intending to create. This can be obtained from some document of the company (if you have any) or you can search the Internet for it and then either copy it from there or create a replica using your graphic designing skills. A free fake pay stub template is usually helpful in making a pay stub which is as original as possible. If it is not available, as a general rule, you can use the left side to list the items like hourly wages, overtime, gross pay, etc and the right hand side for the corresponding numerical entries and deductions, ending it on a total of all the calculations.

Fake pay stubs online can also be created by altering an old pay stub of the company, organization or person who issues them. This can either be physically altered or scanned, photo-shopped and printed out. But if the agency uses an embossed or otherwise characteristic paper, Photoshop may not be the solution. You will have to alter the original document in such a way that you change it according to your needs and the tempering is also not able to be easily identified.

Fake Paycheck Stubs

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