This occurs when the submitted income documentation is either missing sequential pay periods or is outside the acceptable date range.
Platform Action
- If detected before submission: system prompts the applicant to upload additional or updated payslips
- If detected after submission: auto-escalated to a human reviewer
Credit Operations – Next Steps
- Review submitted payslips for:
- Date gaps or missing pay periods
- Outdated documentation (typically older than 6 weeks)
- Request missing or updated documents as required
- Validate income consistency and stability before proceeding
Example Situation
An applicant uploads payslips dated March 1 and April 12.The system detects a missing mid-March payslip and, since the application has already been submitted, escalates for human review.
Credit ops requests the missing document and verifies the income timeline before progressing.