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Hello everyone this is Calvin Russell CEO and founder of 850 Club credit consultation hope everyone is doing well today today I want to talk about a very important subject because I see it entirely too much okay and that is the reasons why you guys should stop making fake check stubs okay I know a lot of people nuns like I don't know that personally but I've seen a lot of people that are coming to dealerships and things that sort with fake check stubs okay and the thing about it is that you don't need them you don't there are banks that will approve you for an auto loan because that's usually the only time people have fake check stubs okay if you're looking to get like a personal loan or something like that they probably are not going to be I mean people can usually see them off the back I can spot up no honestly I just bought a fake check stub probably a mile away okay it's just the way that they're made the way that the tax number doesn't come out right that ink is different I mean come you coming either way the reason why I want to go over this is because there are a lot of people that think that they need to make the fake check stubs in order to get approval most of the time for an auto loan but you don't have to as I just alluded to a few seconds ago there are so many banks that will approve you based on you know based on you know of course your income but they have most banks for usually go as low as $800 a month okay that's before taxes so let's talk about a few things number one most of the times I've seen fake check stubs are usually when people buy buying a car when banks are looking at no clients or potential clients of potential customers to get them an auto loan they go by what they call gross income okay now because I think a lot of you don't understand gross income net income of course nowadays you have Google you can always google this gross income is the income you make before any deductions are taken out that includes you know insurance taxes 401k whatever you put your money towards at your job this is before you can so like for example if you get paid let's say fifteen dollars an hour and you work 40 hours a week that's the number they go by $15 an hour times 40 hours a week okay they look at that girl's income all right then you have net income net income is the income that's directly deposited into your account okay or if you don't have an account which I'm doing video on that on why do you have a checking account but either way if it goes into you until you know.


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