A government change could tip the scale for millions of “credit invisible” Americans and spur hundreds of billions in new mortgage originations. In a rule change finalized last month, government-run mortgage giants Fannie Mae and Freddie Mac said they would accept mortgages underwritten with a credit score model that takes on-time rental payments into account. VantageScore, the company behind the credit scoring system, estimates that including rental payment history allows about 7.7 million