All this week, we’ve been looking at the data and algorithms behind credit scores. While many lenders will use FICO scores, the company does have one major competitor, VantageScore. It was founded by the three credit bureaus (Experian, Equifax, and Transunion) in 2006. The company, which is independently managed, says its scoring model is more inclusive and predictive of credit risk than traditional models. “Marketplace Tech” host Kimberly Adams recently spoke with Silvio Tavares, president and CEO of VantageScore, about what he and his team consider when they’re designing their algorithms. The following is an edited transcript of their conversation.