FICO rules the roost of credit scoring. It is used by 90% of lenders. Vantage scores are good for educating consumers. Vantage scores are free and readily available on credit monitoring sites like https://www.creditkarma.com/.   FICO credit scores, are powered by more analytics and are trusted by large, leading lenders like Fannie Mae and Freddie Mac. FICO carries the most weight with lending analysts.

Use of these free monitoring sites has helped consumers understand how their credit scores are calculated.  Once the mystery of credit scoring begins to evaporate the consumer begins to keep the effects on credit scoring  in mind when making financial decisions.  It is one thing to tell someone how important it is to not miss a payment but the lesson is hammered home when the consumer sees the hit his educational score takes if he is late with a payment.

Likewise the effect of high credit card balances is better appreciated when the card holder sees the score jump up or down as the balance changes.

Looking after your credit score with a monitoring service is a great practice comparable to using fit bit and other devices to monitor your health.

https://ficoscore.com/education/#ScoreVersions

is a great service but kind of pricey.  It would be wise and financially worthwhile to sign up for this when ready to apply for a mortgage to fine tune.