Disclaimer: Some of the information is not publicly disclosed by the scoring companies. We have compiled this information from both public sources and anecdotal evidence.
| Scenario | FICO 8 | FICO 9 | FICO 10 | FICO 10T | Vantage 3 | Vantage 4 |
| Ignores Paid Collections | Yes if reported amount is less than $100 | Yes | Yes | Yes | Yes | Yes |
| Ignores Unpaid Collectons Under $100 | Yes | Yes | Yes | Yes | Yes, if under $250 | Yes if under $250 |
| Ignores Medical Collections Less then 6 Months Old | No | No | No | No | No | Yes |
| Weighs Medical Collections Less | no | yes | yes | yes | no | yes |
| Effect of Tax Lien or Judgement | High | High | High | High | High | Less than before |
| Mortgage Late Payments | Treated the same | Treated the same | Unknown | Unknown | Treated with more sensitivity | Treated with more sensitivty |
| Deduplication window | 45 days of the same type of inquiry | 45 days of the same type of inquiry | 45 days of the same type of inquiry | 45 days of the same type of inquiry | 14 days of any type of inquiry | 14 days of any type of inquiry |
| Trended Data Included | No | No | No | Yes | No | Yes |
| Minimum scoring requirements | One account opened for at least 6 months with updated activity in the past 6 months. Credit file does not indicate the consumer is deceased. | One account opened for at least 6 months with updated activity in the past 6 months. Credit file does not indicate the consumer is deceased. | One account opened for at least 6 months with updated activity in the past 6 months. Credit file does not indicate the consumer is deceased. | One account opened for at least 6 months with updated activity in the past 6 months. Credit file does not indicate the consumer is deceased. | One account opened. Credit file does not indicate the consumer is deceased. | One account opened. Credit file does not indicate the consumer is deceased. |