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Forged? Or doesn’t add up? Corrobor8 checks both.

Every document inspected. Every figure reconciled. Every story cross-examined — before you submit.

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T4, 2024

Box 14 $61,900

Pay stub, 8 Nov

YTD gross $61,900.00 $84,300.00

Notice of Assessment

Income $61,900

Bank statements

12 × $2,410

Driver’s licence

Address matches

Edited: 61,900 → 84,300

12 deposits = net pay

The edited pay stub

High risk

Threads in green are corroborations; a red thread is a contradiction. The files shown: an edited pay stub, deposits paid by a company that isn’t the T4 employer, an ID address that doesn’t match the statement address, and a clean file where everything reconciles.

Know your file before you submit it.

Brokers rarely get in trouble for a forgery they missed. They get in trouble for a deal that doesn’t make sense and can’t be backed up. Corrobor8 shows you where the file stops making sense, with the proof.

  1. The edit, recovered.

    T4, 2024

    Box 14 $61,900

    Issuer: Northgate Logistics

    Pay stub, 8 Nov

    YTD $84,300.00

    Notice of Assessment

    Income $61,900

    Bank statements

    12 × $2,410

    Driver’s licence

    Address matches

    The edit

    The pay stub says $84,300. The file remembers $61,900.

    PDFs keep their history. Corrobor8 reads it — revisions, flattening, metadata — and pulls out the value that was there before someone changed it. And when a digit is set in a different font, size or pixel grid than its neighbours, it sees that too.

    Move over the stub. The lens shows what the file hides.

  2. The figures, reconciled.

    T4, 2024

    Box 14 $61,900

    Issuer: Northgate Logistics

    Pay stub, 8 Nov

    YTD $84,300.00

    Notice of Assessment

    Income $61,900

    Bank statements

    12 × $2,410

    Driver’s licence

    Address matches

    The figures

    Every line item reconciled. Every threshold in line with CRA.

    Totals that add up, year-to-dates that follow from the last stub, deductions inside the rate and the year’s ceilings. Two jobs can push an annual total past the maximum — but no single pay period can withhold more than the rate. That isn’t a judgment call, it’s arithmetic.

  3. The employer, looked up.

    T4, 2024

    Box 14 $61,900

    Issuer: Northgate Logistics

    Pay stub, 8 Nov

    YTD $84,300.00

    Notice of Assessment

    Income $61,900

    Bank statements

    12 × $2,410

    Driver’s licence

    Address matches

    The employer

    The T4 says Northgate Logistics Inc. Nobody can find it.

    Registries, web presence, the phone number on the employment letter — and whether a five-person company plausibly pays a Director of Operations $142,000. The documents can agree with each other and still describe an employer that isn’t there.

  4. The whole file, cross-examined.

    T4, 2024

    Box 14 $61,900

    Issuer: Northgate Logistics

    Pay stub, 8 Nov

    YTD $84,300.00

    Notice of Assessment

    Income $61,900

    Bank statements

    12 × $2,410

    Driver’s licence

    Address matches

    The whole file

    Five genuine documents. One story that doesn’t hold.

    Income against occupation. Employer against everything. Deposits against pay. Real documents that quietly disagree are the expensive ones — and a deal that doesn’t make sense is the one you can’t back up.

Things nobody catches by eye.

Example findings, as they appear in the report. The deals that don’t make sense — and can’t be backed up when a lender asks.

The pay stub saved at 2 a.m. abroad

  • Pay stub metadata: created in Pacific time, last saved eleven hours ahead of it, at 2:14 a.m. local. The employer runs payroll in Vancouver.
  • The file still carries its revision history. Year-to-date gross before that save: $61,900. After: $84,300.
  • Every figure inside the statutory limits.
Refinance in VancouverHigh risk
  • T4
  • Pay stubs
  • Bank statements
  • ID

The digit in a different font

  • On the pay stub, the 8 in $84,300 is set in a different typeface and 0.4 pt larger than every other digit on the page.
  • That field was re-rendered on a different pixel grid from the rest of the document.
  • The totals still add up — it was edited carefully.
Refinance in WinnipegHigh risk
  • Pay stubs
  • T4
  • Bank statements
  • ID

The taxi driver on $142,000

  • Stated occupation: taxi driver. $142,000 is far above the range for the occupation.
  • Payroll lands as $5,000.00 on the 1st and the 15th, every month. Pay after deductions almost never comes out round.
  • CPP and EI sit exactly at the annual maximums — to the cent, on every stub.
Purchase in MississaugaNeeds human review
  • Application
  • T4
  • NOA
  • Pay stubs
  • Bank statements

The gift that was “savings”

  • Application: down payment from savings. Balance for the previous five months never exceeded $2,900.
  • $25,000 arrives from a personal name four days before closing.
  • Pay stubs and deposits reconcile to the dollar.
Purchase in BramptonNeeds human review
  • Application
  • Bank statements
  • Pay stubs
  • ID

The employer nobody can find

  • No federal or provincial registration under the employer’s name. No web presence. The phone number on the letter is a residential line.
  • Stated title: Director of Operations, $142,000. The payroll account behind the deposits was opened four months ago.
  • The slips, the letter and the stubs all agree with each other.
Purchase in SurreyHigh risk
  • T4
  • Employment letter
  • Pay stubs
  • Bank statements
  • ID

The kit that came back

  • This pay stub’s layout, fonts and spacing match a template Corrobor8 has already flagged in three earlier files — from three different “employers”.
  • Same layout, same rounding habits, different names.
  • Nothing in the arithmetic is wrong.
Purchase in EdmontonHigh risk
  • Pay stubs
  • T4
  • NOA
  • Bank statements
  • ID

The raise that arrived with the application

  • Last year’s T4 and NOA: $58,000. The 88% raise starts the month before the application.
  • The employment letter is dated the same week as the application.
  • Deposits before the raise average $3,400 a month. After it, nothing has landed yet.
  • The two most recent pay stubs agree with the letter: $9,100 a month.
Refinance in HamiltonNeeds human review
  • Employment letter
  • Pay stubs
  • T4
  • NOA
  • Bank statements

Perfect to the cent

  • Every deduction reproduces the formula to $0.00. Real payroll systems round; twelve stubs with zero drift were computed, not paid.
  • Year-to-date hours: exactly 1,000.00.
  • Twelve pay stubs, every total adds up.
Purchase in OttawaNeeds human review
  • T4
  • Pay stubs ×12
  • NOA
  • Bank statements
  • ID

The stubs that never reached the bank

  • No payroll deposit in ninety days. Cash deposits of $3,000 and $3,400 instead.
  • The employer on the T4 appears nowhere in the statements.
  • Pay stubs: $3,180 net every two weeks, marked direct deposit.
Purchase in CalgaryNeeds human review
  • T4
  • Pay stubs
  • Bank statements
  • NOA
  • ID

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