Basicly what I am trying to find out is what means credit check companies have to check on your income besides your employer? Can they get your tax or IRS information for example? The reason I ask is that I just put in an application for an apartment and I have a slight issue with my income. My employer pays a significant portion of my income to me under the table. The credit check people want pay stubs to show my income but instead I furnished them with a letter from my employer explaining my wages. First off I was concerned that they would not accept the letter though I got the idea because the last apartment I applied for they gave it as an option (though not one I took at that time). Then I started thinking and realized that if they can somehow attempt to verify my income through some other agency than my employer my application is totally shot. And I'm really hoping to get this apartment.