One of the main differences between VantageScore 3.0 and VantageScore 4.0 is that while trended data does not impact VantageScore 3.0, it can have an impact on VantageScore 4.0.
Moreover, compared to VantageScore 3.0, VantageScore 4.0 does not consider medical collection accounts below 6 months. Medical collection accounts in general are also given less weightage in the calculation of VantageScore 4.0. Lastly, a tax lien or a judgement affects VantageScore 4.0 less severely.