Payscore vs. Truework
Bank deposits vs. employer callbacks—two enterprise approaches to income verification
Payscore pulls bank transaction data for income analysis. Truework calls employers for salary confirmation. Both charge enterprise prices and require sales processes to get started. The question is which data source and approach fits your needs.
Overview
Payscore
Type: Bank-based income and financial health scoring
Focus: Analyzing transaction patterns for income estimation, spending analysis, and creditworthiness
Sweet Spot: PM companies, auto dealers, and lenders wanting real-time financial data
Truework
Type: FCRA-compliant employment and income verification
Focus: Direct employer confirmation of salary, job title, and employment status
Sweet Spot: Large companies needing formal, regulatory-compliant employment verification
Feature Comparison
| Feature | Payscore | Truework |
|---|---|---|
| Data Source | Bank transactions (Plaid) | Employer HR and payroll records |
| Time to Results | Minutes (bank connection) | Hours to days (employer response) |
| Self-Employed Coverage | Good (any bank deposits) | None (no employer to contact) |
| FCRA Status | Not a CRA | CRA (full FCRA compliance) |
| Coverage | Anyone with a bank account | ~50M employees in database |
| Pricing | Custom enterprise ($500-2,000+/mo) | Custom enterprise ($1,000-3,000+/mo) |
Consider a Third Option
Both Payscore and Truework target enterprise customers with enterprise pricing. Income Checker uses the same bank-based approach as Payscore but at landlord-friendly prices: $14.99 per verification, self-serve signup, instant results.
Payscore's Approach, Landlord Pricing
Bank-based transaction analysis via Plaid at $14.99/verification. Same core technology, without the $500+/month enterprise minimum.
Faster Than Truework
Reports ready in under 60 seconds. No waiting hours or days for employer HR departments to respond.
Self-Serve for Small Landlords
Sign up and run your first verification in under 10 minutes. No sales calls, no 2-4 week onboarding.
Three-Way Comparison
| Feature | Payscore | Truework | Income Checker |
|---|---|---|---|
| Data Source | Bank transactions | Employer records | Bank transactions |
| Time to Results | Minutes | Hours to days | Under 60 seconds |
| Self-Employed | Good | None | Excellent |
| FCRA Burden | None | Full CRA compliance | None |
| Small Landlord Access | Limited (enterprise pricing) | No (enterprise only) | Yes (self-serve) |
| Starting Price | $500+/mo | $1,000+/mo | $14.99/verification |
Same Bank Data. Landlord-Friendly Pricing.
Income Checker: Plaid-powered bank analysis at $14.99/check. No enterprise contracts.