Resources
Guides, documentation, and answers to help you make the most of Krostio.
How to Get a Mortgage as a Gig Worker
A step-by-step guide to qualifying for a home loan with 1099 income, including what lenders look for and how Krostio helps.
MortgageIncome Verification for Apartment Rentals
Learn how to present your gig earnings to property managers and landlords with verified income reports.
TaxesTax Preparation for Independent Contractors
Schedule C explained: deductions, quarterly estimates, and how Krostio's tax tools simplify filing.
DocumentationUnderstanding the Krost Alternative Credit Score
How the 9-factor income-based credit model works and why it matters for your financial future.
TaxesMulti-Platform Income Strategy
How diversifying across Uber, DoorDash, Upwork, and Fiverr affects your income stability and credit score.
DocumentationData Security & Privacy at Krostio
How we protect your earnings data with AES-256 encryption, SOC-3 compliance, and FCRA guidance.
TaxesQuarterly Estimated Tax Payments for Gig Workers
A guide to calculating and paying estimated taxes as a self-employed independent contractor.
MortgageSelf-Employed Mortgage Qualification Guide
What documents lenders need, debt-to-income ratios, and how 2 years of tax returns factor into underwriting.
Frequently asked questions
What platforms does Krostio support?
Krostio connects to 300+ on-demand platforms via Argyle, including Uber, Lyft, DoorDash, Instacart, Upwork, Fiverr, Amazon Flex, and more.
Is my earnings data secure?
Yes. All data is encrypted at rest (AES-256) and in transit (TLS 1.3). Krostio is SOC-3 compliant and follows FCRA guidelines for alternative credit scoring.
How long does it take to set up?
Creating an account and connecting your first platform takes less than 2 minutes. After that, your earnings data syncs automatically.
Do I need a traditional credit score?
No. Krostio's alternative credit model is based entirely on your verified gig earnings. No traditional credit check is performed.
Can lenders really use these reports?
Yes. Over 500 mortgage lenders, banks, and credit unions accept Krostio reports. Each report includes Argyle-verified data for maximum credibility.
What is the Krost Score?
The Krost Score is a 9-factor alternative credit model (300-850 range) that evaluates platform tenure, income stability, trajectory, diversification, and more. It's not a traditional credit report under FCRA.
Can I use Krostio for taxes?
Yes. Krostio Pro includes Schedule C-aligned income breakdowns, a write-off tracker, and a self-employment tax estimator. Export-ready data for your CPA or tax filing software.
Stay in the loop
Get new guides, product updates, and gig economy insights sent to your inbox. No spam, unsubscribe anytime.
Join 10,000+ gig workers already using Krostio.
Developer documentation
Building an integration? Our API docs cover everything from Argyle webhook handling to Zod schema validation.
Request API access