[centex]

There shouldn't be a problem with the decision not to allow DU7 to score AU accounts because it defaults them to manual underwriting. As a result, the decisioning still takes into account those AU TL's that were within the spirit of both the ECOA and the FNMA underwriting guidelines.

Demonstrating that the account was an AU status through the spouse is not a difficult thing. The only people inconvenienced will be those that purchased AU tradelines or where they convinced Aunt Suzie's next door neighbors third cousin's sister to add someone as an AU. And if one is having to rely on either of those situations in order to be 'mortgage-worthy' then I would suggest that they really do not have the creditworthiness in this climate to be considered for a 30-year $200K loan, collateralized or not.