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Detailed Scoring Differences Between Models

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Last Verified: March 22, 2023

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.

ScenarioFICO 8FICO 9FICO 10FICO 10TVantage 3Vantage 4
Ignores Paid Collections Yes if reported amount is less than $100YesYesYesYesYes
Ignores Unpaid Collectons Under $100YesYesYesYesYes, if under $250Yes if under $250
Ignores Medical Collections Less then 6 Months Old NoNoNoNoNoYes
Weighs Medical Collections Lessnoyesyesyesnoyes
Effect of Tax Lien or JudgementHighHighHighHighHighLess than before
Mortgage Late PaymentsTreated the sameTreated the sameUnknownUnknownTreated with more sensitivityTreated with more sensitivty
Deduplication window45 days of the same type of inquiry45 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 inquiry14 days of any type of inquiry
Trended Data IncludedNoNoNoYesNoYes
Minimum scoring requirementsOne 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.
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