I too think the MT is more correct than not.
I think also Dr Pickering's work, Family 35 Greek text is overall closer.
And I suspect the CT is right maybe in a place or two.
Where it agrees with the TR.
Sir, if God does not credit a person's faith, as shown in Matthew 7:21-23, what they have is uncredited faith.
To claim that is made up, and not biblical truth is to deny God's inspired word.
If God does not, as you say, credit man's faith, as you suppose, we are toast. It is not our act of believing which causes us to have eternal life.
God alone causes this.
John 1:12-13.
Regarding the lost of Matthew 7:21-23 Jesus said they had not done God's will.
They were trusting in their works, verse 22.
1)
Yes a person without faith or with uncredited faith are toast.
2)
Yes it is not our act of believing which causes us to have eternal life.
God alone causes our salvation.
3)
The lost had "faith" they were known by Jesus, but were surprised to learn their "faith" had accomplished nothing.
4)
Verse 22 says they thought they were acting in Christ's name.
In other words, they thought they were acting in accordance with Christ's requirements, which means they trusted in their understanding of Christ's requirements for salvation.
But their faith was not credited as righteousness, thus they were toast.
You can believe their faith was in there works, rather than by trusting in Christ for their salvation till the cows come home.
Obviously they were surprised their "faith" did not result in salvation.
Imagine what those of soil #2 and #3 of Matthew 13 think when they too are not "known" by Christ.
The premise that "faith" as proclaimed by the believer automatically results in salvation is false and unbiblical doctrine.
What did they say? Matthew 7:22, ". . . have we not prophesied in thy name? and in thy name have cast out devils? and in thy name done many wonderful works? . . ."
Thus they thought their reliance upon what they knew about Jesus (thus in His name or according to His reputation) which constituted their faith in His salvation gift.