Or would this fall on the employee who made the fake pay stubs and approved the loan? Potentially both of them. Your friend also knew the documents he presented to the lender were fake. I’ve been thinking of reporting this but wonder how would I go about this? Personally? Stay out of it. The consequences, if any, will fall on your friend, and there's no upside to you in getting involved. You can make some decisions about whether to stay friends with someone you believe to be willing to defraud lenders, of course. Answer from derspiny on reddit.com
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Reddit
reddit.com › r/personalfinance › has anyone used real check stubs? looking for honest reviews.
r/personalfinance on Reddit: Has anyone used Real Check Stubs? Looking for honest reviews.
May 2, 2025 - I’ve used real check stubs for a couple of projects, and it does the job. The process is simple, and you can customize it easily.
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Reddit
reddit.com › r/realestate › [ removed by moderator ]
r/RealEstate on Reddit: [ Removed by moderator ]
May 4, 2025 - Well obviously it’s fraud that’s why he’s asking if it looks real. Things like pay stubs are very easy to fake there’s no way you could tell the difference unless you could actually verify with the
People also ask

Are there any tools available to help detect fake pay stubs?
Yes, there are tools and services available online that can help detect fake pay stubs by analyzing the information provided and checking for discrepancies or inconsistencies.
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thepaystubs.com
thepaystubs.com › blog › human-resources › how-to-tell-the-difference-between-a-real-and-a-fake-pay-stub
The Difference Between A Real And A Fake Pay Stub - ThePayStubs
Can a fake pay stub pass as legitimate if it looks real?
Though it may be difficult to detect a fake pay stub that looks real, discrepancies in the information provided or discrepancies with other documents may reveal it as fraudulent. Employers and lenders should always verify the information on pay stubs.
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thepaystubs.com
thepaystubs.com › blog › human-resources › how-to-tell-the-difference-between-a-real-and-a-fake-pay-stub
The Difference Between A Real And A Fake Pay Stub - ThePayStubs
What information should be included in a real pay stub?
A real pay stub should include the employee's name, address, social security number, pay rate, hours worked, gross pay, deductions (such as taxes, insurance, and retirement contributions), and net pay.
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thepaystubs.com
thepaystubs.com › blog › human-resources › how-to-tell-the-difference-between-a-real-and-a-fake-pay-stub
The Difference Between A Real And A Fake Pay Stub - ThePayStubs
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Reddit
reddit.com › r/apartmenthacks › [ removed by moderator ]
r/ApartmentHacks on Reddit: [ Removed by moderator ]
February 21, 2023 - And it was all because I tried to save a few bucks and I used those Google generated pay stubs don't work hit up the guys at area code for ate for then dial the word PAY-STUB ... Want to do peel and stick tile and wallpaper/contact paper do I have to ask for permission first? Also tips for doing peel and stick? ... Roach eggs in the house!!! ... My cat scratched the door and I’m moving out soon really not tryna pay for a new door how would I fix this
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Reddit
reddit.com › r/legaladvice › employee making fake check stubs?
r/legaladvice on Reddit: Employee making fake check stubs?
November 23, 2025 -

Location: Wisconsin

Hello,

I in have a friend who received a personal loan from a lender that someone works at. The person who works there made a fake check stub to get the loan approved for my friend. In the end, the employee receives money out of the loan my friend received.

I’ve been thinking of reporting this but wonder how would I go about this? Also, would my friend be liable for receiving the loan? Or would this fall on the employee who made the fake pay stubs and approved the loan?

The employee does shady business and shouldn’t be working there but my friend legitimately needed a loan and the offer was made by the employee.

All insight is appreciated.

I’m thinking of reporting because the employee has been shady for the longest and know they shouldn’t be doing this. On the other hand, I don’t want to get my friend reprimanded because of him being in need.

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Reddit
reddit.com › r/landlord › [landlord - us, ga] fake paystub?
r/Landlord on Reddit: [Landlord - US, GA] Fake Paystub?
March 13, 2024 -

TLDR: Does this paystub look fake to you?

Have a unit listed on zillow rental marketplace and I’ve gotten several fake looking pay stubs from other applicants, so I’m being more cautious than usual.

This applicant has a 730+ credit score and clean background but the pay stubs look off to me. Can’t find the company online and also the salary info looks odd.

She is moving from out of state, said on the app it was for 1 person but then said it would be herself and 2 children when I asked her directly how many people would be living there. I don’t care that she has kids, it’s a 2/2.5, but I find it odd that the kids weren’t on the application.

I asked for add’l proof of income and am waiting to hear back from her.

Am I being too paranoid or does this look/sound off to you as well?

Find elsewhere
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ThePayStubs
thepaystubs.com › blog › human-resources › how-to-tell-the-difference-between-a-real-and-a-fake-pay-stub
The Difference Between A Real And A Fake Pay Stub - ThePayStubs
A fake pay stub might look like it was put together on Microsoft Word, while a real pay stub will clearly have been created using accounting software. Stubs made with reputable tools like the FormPros paystub generator follow these formatting ...
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Reddit
reddit.com › r/propertymanagement › fraudulent paystubs
r/PropertyManagement on Reddit: Fraudulent Paystubs
February 28, 2024 -

I’m starting to see more questionable paystubs. We send everything through screening then the screening company requests for leasing office to complete voi. I see some companies being used that are no longer in business with recent pay stubs. How would you handle this situation? We are also reviving more fake cashier’s checks. I have received two in the last four months. I wish my company would report these people who are giving fake checks because it’s a crime.

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Snappt
snappt.com › blog › spot-fake-paystub
How to Spot a Fake Paystub - Snappt
March 24, 2026 - Deductions are another area where fraud frequently slips. Real pay stubs include a range of withholdings—taxes, benefits, insurance—and those amounts follow predictable structures based on income and location.
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Reddit
reddit.com › r/tax › looking for a paystub generator that automatically calculates state and federal taxes
r/tax on Reddit: Looking for a Paystub Generator that Automatically Calculates State and Federal Taxes
May 3, 2025 -

I’m in need of a paystub generator that can automatically calculate both state and federal taxes, as well as other common deductions (like Social Security, Medicare, etc.). Ideally, it should be easy to use, accurate, and provide all the necessary details to ensure compliance. I’m looking for something that saves time and eliminates the need for manual calculations.

Any suggestions for tools that can handle this?

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The Best Paystubs
thebestpaystubs.com › home
Pay Stub Generator - Check Stub Maker, Paycheck Stub Creator | The Best Paystubs
February 19, 2026 - Download and print the secure PDF. We'll print and mail your pay stubs and W2s.GET STARTED NOW · We offer real paycheck stubs and the most up-to-date federal and state tax forms. Create paystubs and payroll documents quickly.
Address   3420 Bristol St., Suite 600, 92626, Costa Mesa
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Paystub.org
paystub.org › posts › real-check-stubs-vs-fake
Real Check Stubs vs. Fake Ones—How to Recognize Them
May 1, 2023 - Interchanging the letter ‘O’ with the number ‘0’ is a typical error that you would see in a fake earnings statement. Real pay stubs look professional, neat, and easily readable.
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Trustpilot
trustpilot.com › home › business services › it & communication › accounting software company › realcheckstubs reviews
RealCheckStubs Reviews | Read Customer Service Reviews of www.realcheckstubs.com
June 3, 2025 - This W-2 form maker worked great for me. It was super easy to enter all the info, and the forms looked really professional.I did not use check stub tool, btw.
Address   32210, US
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Facebook
facebook.com › Realcheckstub
Real Check Stubs | Facebook
Real Check Stubs. 189 likes · 36 talking about this. Our Auto Calculator & Paystub Generator does all the hard work for you. Try it Now on our Website!
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PaystubCreator
paystubcreator.net › blog › paystubs › verify-the-authenticity-of-pay-stub
How To Verify Paystubs and Spot Fake Pay Stubs
November 28, 2025 - Discover how to verify paystubs and spot fake paystubs, why fake income verification is risky, and manual and software methods for paystub verification.
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Reddit
reddit.com › r/unethicallifeprotips › ulpt need an apartment but don’t have enough income? edit your pay stub before submitting it. landlords rarely verify.
r/UnethicalLifeProTips on Reddit: ULPT Need an apartment but don’t have enough income? Edit your pay stub before submitting it. Landlords rarely verify.
February 21, 2025 -

Most landlords just ask for proof of income but don’t actually verify it with your employer. If you’re slightly under the required income, just adjust your pay stub before submitting it.

If they do verify, they usually just call your employer to confirm employment not income. Worst case, have a friend answer the call and back you up.

Landlords inflate rent prices and stack income requirements, so why not level the playing field?

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Real Check Stubs
realcheckstubs.com
Pay Stubs Online: Instant Paystub Generator | Real Check Stubs
Provide verified proof of income required by landlords during rental applications and lease renewals. Make Pay Stub ... Join millions who trust Real Check Stubs for accurate, professional pay stubs.