Millions to receive credit scores under new models, but expert warns of approval trap

New credit scoring models rolling out across the mortgage industry could dramatically increase 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 ac