You have many different credit scores, not just one, and they can all be impacted in different ways. The newest version of the FICO score, FICO 9, ignores paid collection accounts, and medical collection accounts carry less weight under that model....
Meanwhile, the Vantage Score 4.0 distinguishes medical collections from other types of collection accounts, penalizing medical collections less than non-medical ones. It also ignores medical collections less than six months old....
好像是 依賴具體某個模型， 但是，medical bill collection對信用影響的重要性在下降
