doctoring paycheck stubs

[Jett]

I'm in the process of getting a loan for a car, I have terrible credit and I put about 5k down and the dealer said he would make sure I got the car.

 

Now he needs me to front proof of making around 1900 a month, I'm in the training period of my new job (just recently relocated) So currently I am making less than that on my last 2 stubs.

 

Our stubs and pay is done completely online so using photoshop to change it up would be no sweat. Also with the help of online tax calculators

 

I guess the question is can they verify this amount considering its a privately owned business and since Ive only worked there for about a month. Also if found out is there an actual criminal charge that can be pressed against me other than just not giving me the car.

 

I don't see the problem, I could honestly buy the car upfront 20k ride but, thats my rainy day fund and i plan on using about 5k out of that to fix my credit(secured credit cards and pay of debt) So payments right now for me would be no problem.

 

I'm not the illegal type but Im tired of being on foot patrol and I dont want to put money into a car I dont want.

[MarvBear]

Can you also use photoshop to print all the $20,000.00????????????????????????

[radi8]

I wondered how the state found people to make licence plates.

Apparently, they volunteer.

[MarvBear]

Why so late, I'm off to hibernate................

 

I'll miss all the fun tonite.................................

[diesel66]

I'm in the process of getting a loan for a car, I have terrible credit and I put about 5k down and the dealer said he would make sure I got the car.

 

Now he needs me to front proof of making around 1900 a month, I'm in the training period of my new job (just recently relocated) So currently I am making less than that on my last 2 stubs.

 

Our stubs and pay is done completely online so using photoshop to change it up would be no sweat. Also with the help of online tax calculators

 

I guess the question is can they verify this amount considering its a privately owned business and since Ive only worked there for about a month. Also if found out is there an actual criminal charge that can be pressed against me other than just not giving me the car.

 

I don't see the problem, I could honestly buy the car upfront 20k ride but, thats my rainy day fund and i plan on using about 5k out of that to fix my credit(secured credit cards and pay of debt) So payments right now for me would be no problem.

 

I'm not the illegal type but Im tired of being on foot patrol and I dont want to put money into a car I dont want.

YOU ARE NOT SERIOUS, ARE YOU???!!!??

Sure you could do something like that... but so could you invest your 20k in cocaine and turn a huge profit on the streets!! Life is all about choices, and this is one choice I hope you don't make.. Good luck!

[radi8]

I could honestly buy the car upfront 20k ride but, thats my rainy day fund and i plan on using about 5k out of that to fix my credit(secured credit cards and pay of debt) So payments right now for me would be no problem.

 

If you need to "fix your credit", you may not be getting wonderful car loan rates anyway.

Why not pay cash for the car and make "car payments" back to your savings?

Unless you have some pretty hot investments going, it's going to be tough to borrow the car note at a lower rate than your savings rate.

Skip the forgery, it's a felony to commit fraud on a loan application.

[CMH]

I know a few people who have done this and nothing happened. However I would not suggest doing it "Big Bubba" might like you in the Big House!

[hegemony]

somewhere around here I saw a discount code fo soap-on-a-rope. you better stock up...

[lethalmermaid]

BADDDD idea! Even if you got away with it initially, the document you doctored and signed as true would continue to exist. If anyone checked the facts, you'd be in big trouble. More likely than not, if your credit is bad, they're going to want to verify that you have enough money to cover the payments. If you can't currently afford the car you want, save up more of a down payment, working on your credit in the meantime. No one says you have to get stuck with a car you don't want, but that means you have to be more creative with your options, or open to finding LEGAL solutions.

 

 

In this electronic age it's easy to get caught.

[stljohn]

Jett, mon, you know its illegal why do you even subject yourself to the ridicule?

 

If you do it (and I aint condoning it but it no less then what these insurance or credit companies do to us) make sure you're never late and you never do anything else to catch the attention of the lender.

[blackangst]

Hmmm...first post...subject matter....I smell a TROLL!!

[concerned]

Not that I want to keep the subject running, but I have a question about one thing he mentioned.

 

Nowadays, more companies are turning to online pay stubs. When you print them yourself, are they taken seriously at the dealership?

I know they can always call and check, but if it was me, I wouldn't believe a homemade print out to be sufficient proof of income.

 

I am still in the preliminary process of looking for a car (6-12 months out), but I was wondering if will make a difference.

 

Thanks.

 

(I promise not to feed the troll).

[MarvBear]

Not that I want to keep the subject running, but I have a question about one thing he mentioned.

 

Nowadays, more companies are turning to online pay stubs. When you print them yourself, are they taken seriously at the dealership?

I know they can always call and check, but if it was me, I wouldn't believe a homemade print out to be sufficient proof of income.

 

I am still in the preliminary process of looking for a car (6-12 months out), but I was wondering if will make a difference.

 

Thanks.

 

(I promise not to feed the troll).

 

 

If that is the case, then you can use my computer in my office to access your account. View the document in html format, and hit the print key. You can't alter it in front of me. If you have online access, you have online access 24/7 regardless of the time you visit the dealership, so provable POI with this method is easily verifiable. And I can smell a skunk 10 miles away.

[jetscarbie]

My SIL did this also (she is a pyshco) She doctored up a bunch of documents about her pay and such. She recieved the car.

 

6 months later...in the middle of the night, they repo the car. Then they filed fraud charges against her. I think she was already 2 or 3 months behind on the payment though.

 

She had to buy a car in cash a couple of months ago b/c they have her listed somewhere as a known fraud person. She can't get a loan for anything....anywhere. I have also heard they filed some kind of heavy charges in court againt her.

[smoovdowt]

And theres your answer!

[stljohn]

My company is completely electronic, I've had many creditors accept printed pay stubs without complaint.

 

My payroll system is on a private corporate intranet. I doubt anyone has their payroll system accessible to public internet... at least not without virtual private network (VPN) client software on that computer that would enable one to get into that private intranet.

 

My company contracts with a company to provide employment and/or salary verification. I obtain a PIN give it to the creditor and they can go online or call an 800 number but there is a fee to the creditor.

 

 

 

Hey JC... that is a pyscho SIL

[jetscarbie]

Hey JC... that is a pyscho SIL

 

Yeah, she is nuts. BAD NEWS

 

The sad thing is I don't think Kia would have known if not for the fact that she was 2 months behind and they tried calling her employer.....What employer? They told Kia...Oh that girl, she only worked here for 3 days. Kia faxed copies of the paycheck stubs she submitted and come to find out....they were the mgr's stubs. She took them out of his box and phonied them up.

 

That made KIA end up rechecking her whole application and they found out that most of it was fraud. I don't really know the rest b/c they live in a different state, but she was arrested and charged. I know that b/c they tried to borrow money from us to bail her out. They said they would write us a post dated check

 

Don't lie.....it can come back to bite you.

[LauraC]

If that is the case, then you can use my computer in my office to access your account. View the document in html format, and hit the print key. You can't alter it in front of me. If you have online access, you have online access 24/7 regardless of the time you visit the dealership, so provable POI with this method is easily verifiable. And I can smell a skunk 10 miles away.

 

THis is not exactly true. At my company (which employs over 25,000 you have to access your payroll /personal information from a company PC - The information is not housed on an external accessible site - but an internal one. (At least not yet )

 

I could never use your PC to access it - we don't have an employee area to our external site in which we do business.

 

I have a laptop but not everyone here does -

[MarvBear]

Not that I want to keep the subject running, but I have a question about one thing he mentioned.

 

Nowadays, more companies are turning to online pay stubs. When you print them yourself, are they taken seriously at the dealership?

I know they can always call and check, but if it was me, I wouldn't believe a homemade print out to be sufficient proof of income.

 

I am still in the preliminary process of looking for a car (6-12 months out), but I was wondering if will make a difference.

 

Thanks.

 

(I promise not to feed the troll).

 

 

If that is the case, then you can use my computer in my office to access your account. View the document in html format, and hit the print key. You can't alter it in front of me. If you have online access, you have online access 24/7 regardless of the time you visit the dealership, so provable POI with this method is easily verifiable. And I can smell a skunk 10 miles away.

 

 

I did say the above, I just bolded a portion for emphasis.

 

My payroll is NOT available online, I cannot log in online to get a copy, I would have to actually photostat a copy if requested.

 

BUT FOR THOSE THAT DO HAVE ONLINE ACCESS............

 

My point being many do have online access, i.e. Military people who can log in online and simply print up a copy of their LES. They've done it many times for me, as I stepped away from the computer. I've also had employee's from Wal*Mart log in online to print a copy of their current YTD earnings statement. I simply step away fom the computer for privacy's sake.

 

It'd be a Houdini trick to get one over on me, by doctoring paycheck stubs in that fashion.

 

Otherwise, it would be acceptable to bring in an original of your YTD earnings statement, and we could photostat it on my equipment.

[jimmyj]

....that'd be a skeleton you wouldn't want coming out of the closet.

Edited August 30, 2007 by jimmyj

[Cactus Flower]

I doubt anyone has their payroll system accessible to public internet... at least not without virtual private network (VPN) client software on that computer that would enable one to get into that private intranet.

 

My company contracts with a company to provide employment and/or salary verification. I obtain a PIN give it to the creditor and they can go online or call an 800 number but there is a fee to the creditor.

 

 

 

Hey JC... that is a pyscho SIL

 

 

yes, actually my employer DOES have our payroll info available over the internet.. we just log-in using our employee user name, ID and network password.

 

But I have never had any problem using the paystubs printed off of the internet..

[iH8cra]

This post brought to you by the letters F, R, A, U, and D.

 

On the plus side, it's three hots and a cot. How bad could it be?

[stljohn]

I doubt anyone has their payroll system accessible to public internet... at least not without virtual private network (VPN) client software on that computer that would enable one to get into that private intranet.

 

My company contracts with a company to provide employment and/or salary verification. I obtain a PIN give it to the creditor and they can go online or call an 800 number but there is a fee to the creditor.

 

 

 

Hey JC... that is a pyscho SIL

 

 

yes, actually my employer DOES have our payroll info available over the internet.. we just log-in using our employee user name, ID and network password.

 

But I have never had any problem using the paystubs printed off of the internet..

 

 

In all fairness to me I said I doubt anyone would make their payroll system available on the internet. It sounds like your company is using a 3rd party to make your pay stub available.

 

My company uses the work number to provide our w2 and employment verification but they also can provide provide pay stubs. We don't use that option.