DU Debt Comparison
DU compares the balances and payments of the debts on the credit report with the debts on the loan application. If material differences are found, the lender must confirm that all debts from the credit report are included on the loan application and provide documentation to support the use of payments and balances lower than those on the credit report. If the debt affects the debt-to-income ratio by more than the allowable tolerances, the lender must add the debt to the loan application and resubmit the loan. Otherwise, the lender is expected to provide documentation that supports the omission from the loan application. See B3-6-02, Debt-to-Income Ratios, and B3-2-10, Accuracy of DU Data, DU Tolerances,and Errors in the Credit Report, for additional information.
See also B3-5.3-09, DU Credit Report Analysis.