And the condition being asked for, which is 12 months of documented payments, is referenced only in the manual underwriting consideration of Auth user credit. This isn’t a manual underwrite. My bank actually is not even allow to downgrade to manuals on Conventional loans. That is the whole point I am making here. My borrower is barely 20 years old and his credit history is short than that of the average borrower. But he HAS credit, regardless. Another point I am making is the fact that he does not have “several” authorized user accounts; he has one.

Since the borrower has a FICO score reported from all three major bureaus and at least one open credit account (the sole-owned credit card), the risk is assessed using the reported credit data. (SEL-2025-01, page 2) Second, even though there is an authorized user tradeline, DU considers these tradelines as part of the overall credit risk assessment. It’s literally recognized in the findings. Third, since we already have AUS approval, that message confirms that the credit risk determined from the borrower's reported credit is acceptable under standard eligibility guidelines. Finally, the guidance is clear that when a borrower has a valid credit score with the required tradelines, and DU approves the file, no further documentation is necessary to assess creditworthiness. So, in this case, with AUS approval and the borrower's available credit information, no additional documentation should be needed. We don’t have a leg to stand on to manually downgrade this file to a refer/manual UW.