Fico Scores and FNMA DU 7.0~~~~Let the good times roll!

Young first time homebuyers that have 750+ credit scores because of authorized user accounts on their mommy and daddy's credit cards beware...FNMA DU 7.0 is likely find a way to juke you out of qualifying for a loan if you aren't careful.  Additionally, the three amigos, Experion, Transunion, and Equifax have their actuaries in the nerd-ery busily tweaking the algorythyms to un-weight authorized user accounts.  Good times!

Problemo:  what about the wife kicked to the street by her schlepp husband that has no credit in her own name?  What about husbands and wifes in general that are often times "authorized users" on each others cards?

It will be interesting to see how this adds to the qualification fun!