“Now credit-worthy consumers are able to actually have a choice as to which credit score is used, and that means that the days are numbered for our competitor, because they can’t out innovate us,” said Silvio Tavares, president and CEO of VantageScore.

“There needs to be more clarity on how the GSEs participate in this space,” said Barath Sankaran, a portfolio manager of mortgages at Loomis Sayles.