Most loan fraud starts with a document your team already accepted.
Altered pay stubs and fabricated bank statements are the most common fraud vectors in personal and business lending. Fraudsters have moved well beyond crude edits — today's fake financials use the correct fonts, match institution branding, and pass manual review. A forensic check at the point of application stops it before underwriting commits to a decision.
$3.1B+
in fraudulent mortgage applications filed annually
80%
of loan fraud involves fabricated or altered income documents
~3s
to verify a bank statement or payslip
The problem
What fraud looks like in lending & credit
Altered bank statements
Running balances, transaction amounts, and opening/closing figures are edited row by row to present an inflated financial position. Table structure analysis and balance plausibility checks expose inconsistencies across the statement.
Fabricated or inflated payslips
Gross pay, net pay, and employer details are altered — or entire payslips generated — to meet income thresholds for loan approval. Font metrics, arithmetic checks (gross − deductions = net), and employer logo analysis catch these.
Manipulated tax returns
Annual income and deduction figures on tax returns are edited to support larger borrowing. Form field alignment, e-filing acknowledgement consistency, and total line integrity checks reveal the tampering.
How TamperCheck helps
A forensic verdict in seconds
TamperCheck integrates into your loan origination workflow via a single API endpoint. Drop it in at the document upload step and your underwriting team gets a plain-English verdict — authentic, tampered, or suspicious — with specific findings before any credit decision is made.
What we check
- Running balance plausibility across all statement rows
- Gross, deductions, and net arithmetic on payslips
- Font metrics and spacing consistency across fields
- Institution branding and header plausibility
- PDF text layer vs raster mismatch detection
- Table row insertion and deletion fingerprints
Documents we verify
Common document types in lending & credit
See it working on your documents
Start with $5 in free credits — no contract, no card required. Upload your first document and get a verdict in seconds.