# Income # Income Income calculation and qualification logic layered over raw verification data. Verification returns what a borrower was paid. Qualification needs what a borrower can be counted on to be paid, and the two are not the same number: bonus, overtime and commission are averaged over a stated period, variable income is discounted or excluded, and self-employment is computed from returns rather than from deposits. This product carries those rules, over the records Income produced. ## How it works The calculation and the data collection are separate products because the rules change independently of the vendors. An agency guideline revision changes how a figure is computed and nothing about where it came from. ## Dual listing Income is filed under two categories. The other listing is Income under Verification , and the recorded specifications resolve there — its 39 operations render on that page. ## More in Automation - Previous product: Boarding