New credit scoring models rolling out across the mortgage industry could dramatically expand the number of Americans who receive a credit score — but experts warn that borrowers shouldn’t confuse a number on paper with actual loan approval.As credit repair specialist Micah Smith put it, "People with thin credit files … might be able to see a score … but that doesn't necessarily mean mortgage approval.""It's actually being shown that about 33 million more people are actually going to have a score with these newer models, not approved," she clarified.A few months ago, the VantageScore 4.0 model...

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