Earlier this month FICO announced changes to how they will be calculating credit scores when they release their new scoring model later this year; consumers who take out a personal loan for debt consolidation will be treated differently than they are today; currently borrowers taking out a debt consolidation loan and then paying off their credit card could see a quick bump in their score; that will not be case when the new scoring model is released; Fortune sought the opinions of Dana Marineau of Credit Karma; Paul Gu, co-founder of Upstart, Jason Brown of Tally, Anu Shultes of LendUp, Brian Walsh of SoFi as well as FICO. Fortune