It is actually hard to tell. There depends a lot on if you have a solid history already to show that you are a good credit borrower. People with thin files or ones that have little age will take larger hits. Also there is a chance that certain charges will be exempt from the algorithm. For example any collection under $100 falls under nuisance charges and has no effect for FICO 8. For FICO 9 anything that is paid off is also exempt or has lower penalties. Generally a healthy report that is solid will take a 50-75 point hit if the collection slams into it. If you have a weak or unstable report then expect 100-200 points loss. Also be aware that collections reporting are not the only thing that will leave a mark. Any 30, 60, 90, 180, and 270 lates for that account can also show up and leave a mark.
@Apollo355 I think your question was answered in the above responses. 80-110 points. I think the amount of the collection has minimal to no impact. Also just because it may go to a collection agency doesn’t mean it will hit your credit file immediately. They usually send you communications about the debt I’m the hope you pay them. If that fails then they likely proceed to placing on credit file.
