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: Employment and income verification
Focus: Direct employer confirmation of salary, job title, and employment status
Sweet Spot: Organizations needing employer-record 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) |
| Legal Review | Confirm requirements | Confirm requirements |
| Coverage | Anyone with a bank account | ~50M employees in database |
| Pricing | Per unit per month; Enterprise custom | Contact provider |
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.
Focused Bank-Income Pricing
Income Checker publishes one-time credit packs, starting with one report for $14.99.
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 send a request through a focused landlord workflow.
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 |
| Legal Review | Confirm requirements | Confirm requirements | Confirm requirements |
| Small Landlord Access | Limited (enterprise pricing) | No (enterprise only) | Yes (self-serve) |
| Starting Price | No dollar rate published | Contact provider | $14.99 for one report |
Same Bank Data. Landlord-Friendly Pricing.
Income Checker: Plaid-powered bank analysis at $14.99/check. No enterprise contracts.