Thanks to increasing competion among data analytic firms, more consumers than ever before will have credit scores.

The struggle that is generating this activity pits market leader FICO against relative upstart VantageScore over market share.

FICO, formerly known as Fair Isaac, is the grandfather of credit analytics. It was founded in 1956 and has a close association with Equifax, Experian and TransUnion, the three national credit bureaus.

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