source:
  type: guide
  id: fnma-sel-b3-5.3-06
  authority: Fannie Mae Selling Guide B3-5.3-06 — Authorized Users of Credit
  description: Fannie Mae Selling Guide B3-5.3-06 — Authorized Users of Credit.
  coverage_tier: operative
obligations:
- id: fnma-sel-b3-5.3-06-full
  canonical_id: fnma-sel-b3-5.3-06-full
  section: Fannie Mae Selling Guide B3-5.3-06 — Authorized Users of Credit
  type: do
  tags:
  - regulator-direct
  - fnma
  - selling-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Fannie Mae Selling Guide B3-5.3-06 — Authorized Users of Credit
    source_class: fnma-guide
    source_url: https://singlefamily.fanniemae.com/media/document/pdf/selling-guide
    snapshot_id: 5f7b8b79da595d76
    fetched_at: '2026-05-25T14:09:57Z'
    content_hash: sha256:98cf85a02861bbe84914a0e339b327c8fc131869a8a573882007bbeea60c5701
    paragraph_quote: 'B3-5.3-06, Authorized Users of Credit (10/30/2009) Introduction
      This topic contains information on authorized users of credit Authorized Users
      of Credit Consideration of Authorized User Accounts Authorized Users of Credit
      When a credit account owner permits another person, typically a family member
      who is managing credit for the ﬁrst time, to have access to and use an account,
      the user is referred to as an authorized user of the account. This practice
      is intended to assist related individuals in legitimately establishing a credit
      history and credit score based on the account and payment history of the account
      owner, even though the authorized user is not the account owner. Consideration
      of Authorized User Accounts For manually underwritten loans, credit report tradelines
      that list a borrower as an authorized user cannot be considered in the underwriting
      decision, except as outlined below. An authorized user tradeline may be considered
      if: another borrower in the mortgage transaction is the owner of the tradeline;
      or the borrower can provide written documentation (e.g., canceled checks, payment
      receipts, etc.) that they have been the actual and sole payer of the monthly
      payment on the account for at least 12 months preceding the date of the application.
      If written documentation of the borrower’s monthly payments on the authorized
      user tradeline is provided, then the payment history — particularly any late
      payments that are indicated — must be considered in the credit analysis and
      the monthly payment obligation must be included in the debt-to-income ratio.
      An authorized user tradeline must be considered if the owner of the tradeline
      is the borrower''s spouse and the spouse is not a borrower in the mortgage transaction.
      These requirements do not apply to loan caseﬁles underwritten through DU. For
      DU requirements, see B3-5.3-09, DU Credit Report Analysis. Recent Related Announcements
      There are no recently issued Announcements related to this topic. Published
      May 6, 2026 471'
  judgment: false
