Case Lab · Consumer credit

The application passes only on the unverified income

Start with the supplied facts and choose the next action before opening the published decision. Synthetic case; no customer data is accepted and no live decision is made.

Case file · Consumer credit

Applicant-stated income is materially higher
Verified payroll data supports the lower amount
The file passes the illustrated threshold only at the higher amount

Your call · Consumer credit

Your choice comes first

Approve, decline, or refer when income sources disagree?

The stated income and a verified payroll source disagree enough to change the illustrated affordability result.