Strong Credit file reduces the ding of a small med collection?

[Lucid08]

Hello All!

I had a workers comp claim from a work related injury back in early 2012. I never received any bills other than statements that reported that workers comp had paid all to -zero- balances. Well, lo and behold a small collection for $23.00 hit my EX and EQ credit reports a few weeks ago. The bill was from a 3rd party provider who did the X-rays at the local hospital where I live. At any rate, I pulled my EQ FICO the other day and my score has actually risen by 25 points from what it was 3 months ago. The collection account seems to have had zero negative effect on my FICO score. I have zero lates and I have a strong credit mix of 3 personal installment loans, 3 CC's, a checking LOC,  and an auto loan that is now below 50% of original balance. My AAOA has just now clicked over the 4 year mark.

I was very scared that the small medical collection might have had a major impact on my score, but it doesnt seem to have affected it.

I'm thinking outloud here, but could the fact that I have a strong credit file - with no lates, be the reason the collection had very little effect? Or could it be because of my AAOA recently hitting the 4 years mark - hence a rebucketing or increase in score from the age?

I thought I had this scoring thing figured out, but the collection and its seeming lack of effect has me scratchin my head.

[Anonymous]

IMO, you got lucky if there was no score loss.

A collection, no matter how much, will adversely affect your score. 

Those with better profiles and higher scores will suffer a bigger loss than those that already have numerous collections and derogatories on their reports.

Does it say it is a collection and is it reported in the collection section?

[Lucid08]

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@Anonymous wrote:

IMO, you got lucky if there was no score loss.

A collection, no matter how much, will adversely affect your score. 

Those with better profiles and higher scores will suffer a bigger loss than those that already have numerous collections and derogatories on their reports.

Does it say it is a collection and is it reported in the collection section?

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Yes, it is in the collection section, reported as a collection and is the only derogatory I have. I do notice that the dates being used lists early 2012 as the last activity date, but there doesnt seem to be an effective date that I can find. That is, unless it uses some kind of internal reporting date to reflect the date it hit my CR...??  

[Anonymous]

It should have a date reported.  Where did you pull your report?

[Lucid08]

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@Anonymous wrote:

It should have a date reported.  Where did you pull your report?

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Pulled as part of my free annual credit reports.

[Anonymous]

Can you post the TL? 

[OhioCPA]

My understanding is that there won't be a FICO score impact for collections under $100. At least for FICO 08 and later versions.

[Anonymous]

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@OhioCPA wrote:

My understanding is that there won't be a FICO score impact for collections under $100. At least for FICO 08 and later versions.

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This is true.  However, he pulled the EQ score here and that is the 04 version and that only applies to 08.