Alerts

This section describes possible problems with a borrower's documents, and what you can do about them.

Overview

In some cases, we may not be able to calculate information accurately, or even at all. When this happens, we provide details through our API endpoints and worksheets. This page describes alerts that may be included in our results.

Manual review or intervention may be required, especially for higher-severity alerts.

Note that the precise language of each alert may change slightly as we refine our product.

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The specific language within each alert may vary from the messages described below. These alerts are included on our PDF and Excel-formatted reports. However, if you use the JSON to produce a custom format internally then your engineers should ensure these alerts are displayed as-is.

Low Severity

These informational alerts convey extra context about our calculations or the provided documents. A message described here does not usually indicate an actual problem.

We don't currently raise any low-severity alerts. If we do in the future, you'll be able to find out more about them in this section.

Medium Severity

Income calculations were performed, but they're not as accurate as we'd like.

{Earnings type} income calculated using only one year's worth of data. Two years' worth of data is required for the most accurate calculation
We can estimate certain types of earnings with two years of data, but using three years will always provide the best results.
{Earnings type} income calculated but may not be accurate because there are no previous end of year paystubs or a WVOE was not provided for this employer.
Raises or bonuses tend to coincide with the end of the calendar year. Consequently, documents from this period gives us a more current view of the borrower's income growth over time.
Income calculated, but may be incorrect, due to missing W2 input field(s): {missing W-2 fields}
One of the provided W-2s wasn't completely filled out, or we couldn't understand the values of the missing fields. The W-2 might have been improperly prepared.
Income calculated, but may be incorrect, because a more recent paystub or WVOE is expected for this employer
There are several reasons a paystub may be slightly out of date while still being within our 60-day limit. A borrower's income might have been interrupted or delayed, or they might have recently moved to a new job. Either way, we're not sure.
Base income calculated but may not be accurate due to missing full year data for {year}
This might occur when we have paystubs or WVOEs for less than 12 months out of a year, such as if the borrower recently had a gap in employment lasting over a month.
{Earnings type} income calculated, but may be incorrect, due to current year-to-date bonus income was not found.
Bonus income is sporadic in timing and amount, but it often has a substantial impact on the borrower's earnings. We raise this alert if the borrower received bonus income in previous years, but not the current year; this means that the nature of their bonus earnings has changed in a way that we can't predict.
Income calculated, but may be incorrect, because WVOE is missing field(s): {missing WVOE fields}
Because WVOEs don't follow a standard format (as opposed to something like a W-2), a given employer may not have provided this information on their WVOEs. Or if they did, we couldn't find or understand it.
Paystub uuid: {UUID} showed hourly earnings, however it is being treated as salary earnings, since the hourly rate * the hours worked does not equal the pay received.
We know how much the borrower has made on this paystub, but we couldn't reconcile that number with their hourly rate. We'd rather treat it as salaried income than disregard it.

High Severity

Some income calculations couldn't be completed.

{Earnings type} income not calculated, because there are no paystubs from year: {year}
Some types of income require us to have some history in order to properly estimate it for the future.
{Earnings type} income not calculated, due to missing income field(s) for year: {year}: {list of missing fields}
We can't estimate certain types of earnings if we can't determine the year-to-date earnings for a pay stub. This can happen if the document is malformed or unusually-formatted.

Critical Severity

No income calculations could be completed. You may need to manually review the provided documents, or follow up with the borrower for more information.

Income not calculated, because the document does not contain the necessary date information.
Income calculations are very sensitive to time. As such, we can't use a document if we can't figure out what pay period it describes.
Income not calculated, because there are no paystubs or WVOE
Paystubs (or WVOEs) are essential in our income calculations. If a prospective borrower didn't provide these, we recommend following up with them.
Income could not be calculated.
We couldn't compute income from the provided documents for some unknown reason. We recommend that you review the provided documents manually. If you believe there's nothing unusual about them, please contact customer support.