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  "path": "/money/credit-expert-warns-borrowers-about-american-drain-new-mortgage-scoring-models-take-effect",
  "publishedAt": "2026-04-30T10:00:21.000Z",
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  "textContent": "Credit repair expert Micah Smith says new VantageScore 4.0 mortgage rules let rent payments count, but warns late payments and high balances cut both ways.",
  "title": "Credit expert warns borrowers about the 'American drain' as new mortgage scoring models take effect"
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