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Income & Employment verification provides current income and employment data, commonly used for tenant screening and rental applications. By verifying income directly from payroll, you can confirm an applicant’s ability to pay without relying on self-reported documents.

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Benefits

Instant Results

Verified income and employment in seconds

85%+ Coverage

ADP, Paychex, Workday, UKG, and 100+ providers

Candidate-Friendly

Simple self-service verification through Truv Bridge

Structured Reports

Consistent data format for automated processing

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What you get

Data PointDescription
Current employment statusActive, terminated, or on leave
Gross and net incomeCurrent pay per period
Pay frequencyWeekly, biweekly, semi-monthly, or monthly
Employer detailsName, address, and EIN
YTD earningsYear-to-date gross and net totals
Pay historyRecent pay statements for trend analysis

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Use cases

Verify a prospective tenant’s income meets your rent-to-income ratio requirements. Get verified pay data instead of relying on uploaded pay stubs.
Confirm an applicant earns enough to afford the unit. Compare verified monthly income against the monthly rent to calculate affordability.
Speed up lease renewals by re-verifying tenant income. Useful for income-restricted housing programs that require annual recertification.
Automate the income qualification step for lease applications. Reduce manual review time and speed up move-in dates.

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Data coverage

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Payroll Providers

Truv connects to payroll providers covering 85%+ of US employees:
ProviderCoverage
ADP~20% of US workers
Paychex~10% of US workers
WorkdayLarge enterprises
UKG (Kronos)Healthcare, retail
PaylocityMid-market
GustoSmall business
And 100+ more

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How to implement

Create an order via the Truv API to start an income verification: 
curl -X POST https://prod.truv.com/v1/orders/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET" \
  -H "Content-Type: application/json" \
  -d '{
    "products": ["income"],
    "first_name": "Jane",
    "last_name": "Doe",
    "external_user_id": "candidate-123"
  }'
For tenant screening, 90 days of history is usually sufficient. Unlike background checks that need years of employment history, rental income verification typically only needs current pay data and recent pay statements.

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Report structure

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API Response

Retrieve the income report for a completed link: 
curl https://prod.truv.com/v1/links/{link_id}/income/report/ \
  -H "X-Access-Client-Id: YOUR_TRUV_CLIENT_ID" \
  -H "X-Access-Secret: YOUR_TRUV_CLIENT_SECRET"
Example response (abbreviated):
FieldPathExample
Annual incomeemployments[].income"70000.00"
Pay frequencyemployments[].pay_frequencySM
Employeremployments[].company.name"Acme Corp"
Pay statementsemployments[].statements[]Array
{
  "id": "24d7e80942ce4ad58a93f70ce4115f5c",
  "status": "done",
  "provider": "adp",
  "data_source": "payroll",
  "employments": [
    {
      "income": "72000.00",
      "income_unit": "YEARLY",
      "pay_rate": "3000.00",
      "pay_frequency": "SM",
      "is_active": true,
      "job_title": "Account Manager",
      "job_type": "F",
      "start_date": "2023-01-10",
      "original_hire_date": "2023-01-10",
      "company": {
        "name": "Acme Corporation",
        "address": {
          "street": "100 Market St",
          "city": "San Francisco",
          "state": "CA",
          "zip": "94105"
        }
      },
      "profile": {
        "first_name": "Jane",
        "last_name": "Doe"
      },
      "statements": [
        {
          "pay_date": "2024-01-15",
          "gross_pay": "3000.00",
          "gross_pay_ytd": "3000.00",
          "net_pay": "2250.00",
          "net_pay_ytd": "2250.00"
        }
      ],
      "w2s": [],
      "annual_income_summary": []
    }
  ]
}

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API reference

Orders

Create and manage verification orders

Income Report

Retrieve income data

Employment Report

Retrieve employment data

Webhooks

Receive status notifications

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Best practices

For tenant screening, recent pay statements are typically sufficient to assess current income. The income report includes pay stubs and YTD totals from the connected payroll provider.
A common threshold is 3x monthly rent. Use the gross_pay and pay_frequency fields from the income report to calculate monthly income and compare against the rent amount.
Applicants with multiple jobs should connect each employer separately via Truv Bridge. Each connected employer produces its own link and income report, which you can sum for total income.

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Next steps

Embedded Orders

Full implementation walkthrough

Employment Verification

Multi-year employment history for background checks