In the realm of personal finance, creditworthiness plays a pivotal role in determining an individual’s borrowing capacity. Lenders scrutinize various financial factors before granting a loan, and one of the critical documents they rely on is the pay stub. A pay stub is a record of an employee’s earnings and deductions, offering valuable insights into an individual’s financial stability and ability to repay debts. This article delves into how pay stubs impact borrowing capacity and provides five essential tips to improve creditworthiness.…