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What is "Current as of" date in Truv Report?

Understanding the “Current as of” Date

The Current As Of Date is used in mortgage underwriting to indicate the most recent payroll information being reported. Knowing the difference between the DU and LPA definitions helps ensure accurate income verification.

Current as of – DU (Fannie Mae)

  • Definition: Represents the end date of the pay period for the most recent paystub submitted.

  • Purpose: Helps lenders understand which pay period the borrower’s income reflects.

Current as of – LPA (Freddie Mac)

  • Definition: Reflects the issue date of the most recent paystub.

  • Purpose: Indicates when the most recent paystub was issued, ensuring the lender uses the latest available data