VantageScore 4.0 - 3 Unique Features

VantageScore 4.0 is a credit scoring model created by the three major credit bureaus that includes unique features such as trended data analysis, special treatment of medical collections, and adjusted impact of judgments and public records, aiming to provide a more accurate prediction of consumer credit risk. It is one of many credit scores used by lenders, and while it offers several enhancements over previous models, its adoption by lenders may take time.