> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Income & Employment for Screening

> Income and employment verification for tenant screening

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.

***

## Benefits

<CardGroup cols={2}>
  <Card title="Instant Results" icon="bolt">Verified income and employment in seconds</Card>
  <Card title="85%+ Coverage" icon="users">ADP, Paychex, Workday, UKG, and 100+ providers</Card>
  <Card title="Candidate-Friendly" icon="face-smile">Simple self-service verification through Truv Bridge</Card>
  <Card title="Structured Reports" icon="file-lines">Consistent data format for automated processing</Card>
</CardGroup>

***

## What you get

| Data Point                    | Description                                |
| ----------------------------- | ------------------------------------------ |
| **Current employment status** | Active, terminated, or on leave            |
| **Gross and net income**      | Current pay per period                     |
| **Pay frequency**             | Weekly, biweekly, semi-monthly, or monthly |
| **Employer details**          | Name, address, and EIN                     |
| **YTD earnings**              | Year-to-date gross and net totals          |
| **Pay history**               | Recent pay statements for trend analysis   |

***

## Use cases

<AccordionGroup>
  <Accordion title="Tenant screening" icon="building">
    Verify a prospective tenant's income meets your rent-to-income ratio requirements. Get verified pay data instead of relying on uploaded pay stubs.
  </Accordion>

  <Accordion title="Rental income verification" icon="money-bill">
    Confirm an applicant earns enough to afford the unit. Compare verified monthly income against the monthly rent to calculate affordability.
  </Accordion>

  <Accordion title="Property management" icon="key">
    Speed up lease renewals by re-verifying tenant income. Useful for income-restricted housing programs that require annual recertification.
  </Accordion>

  <Accordion title="Lease qualification" icon="file-signature">
    Automate the income qualification step for lease applications. Reduce manual review time and speed up move-in dates.
  </Accordion>
</AccordionGroup>

***

## Data coverage

### Payroll Providers

Truv connects to payroll providers covering 85%+ of US employees:

| Provider      | Coverage            |
| ------------- | ------------------- |
| ADP           | \~20% of US workers |
| Paychex       | \~10% of US workers |
| Workday       | Large enterprises   |
| UKG (Kronos)  | Healthcare, retail  |
| Paylocity     | Mid-market          |
| Gusto         | Small business      |
| And 100+ more |                     |

***

## How to implement

Create an order via the Truv API to start an income verification:

```bash theme={null}
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"
  }'
```

<Tip>
  **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.
</Tip>

***

## Report structure

### API Response

Retrieve the income report for a completed link:

```bash theme={null}
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):

| Field          | Path                          | Example       |
| -------------- | ----------------------------- | ------------- |
| Annual income  | `employments[].income`        | `"70000.00"`  |
| Pay frequency  | `employments[].pay_frequency` | `SM`          |
| Employer       | `employments[].company.name`  | `"Acme Corp"` |
| Pay statements | `employments[].statements[]`  | Array         |

<Accordion title="View full response example" icon="code">
  ```json theme={null}
  {
    "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": []
      }
    ]
  }
  ```
</Accordion>

***

## API reference

<CardGroup cols={2}>
  <Card title="Orders" icon="file-circle-plus" href="/api-reference/orders/object">Create and manage verification orders</Card>
  <Card title="Income Report" icon="file-lines" href="/api-reference/account-link-income-and-employment-reports/link_detail_reports_income">Retrieve income data</Card>
  <Card title="Employment Report" icon="building" href="/api-reference/account-link-income-and-employment-reports/link_detail_reports_employment">Retrieve employment data</Card>
  <Card title="Webhooks" icon="webhook" href="/api-reference/webhooks">Receive status notifications</Card>
</CardGroup>

***

## Best practices

<AccordionGroup>
  <Accordion title="Focus on recent pay history for rental screening" icon="calendar">
    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.
  </Accordion>

  <Accordion title="Calculate rent-to-income ratio" icon="calculator">
    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.
  </Accordion>

  <Accordion title="Handle multiple income sources" icon="building">
    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.
  </Accordion>
</AccordionGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Embedded Orders" icon="code" href="/screening/integration/embedded-orders">
    Full implementation walkthrough
  </Card>

  <Card title="Employment Verification" icon="briefcase" href="/screening/products/employment">
    Multi-year employment history for background checks
  </Card>
</CardGroup>