Utitlities nd bills not reported unless unpaid. collections

On your website you stated that non lines of credit such as insurance and phone bill collection accounts show as a negative only. How do they differ from a revolving account collection or installment account collection? Do they all have the same effect on your score or since credit wasn't extended it's not as bad on your score as a revolving or installment collection account? Also I heard that it doesn't matter the amount of the collection $10 or $10,000 it still has the same impact but relating to your debt to income ratio the amount would certainly matter right?
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revolvong credit is usually reported to at least one bureau every month positive or negative.

phone, electric, insurance, hospital bills, water are utilities and utilities are not lines of credit so they only show up on your report if you don't pay and let the account go past 90 days with and outstanding balance. then the utility will show up as a collection or and uncollectable bill.

any type of collection ,means an account has gone past 90 days late and affects your score negatively.

the last statement is true because a 10,000 collection would reflect you have a 10,000 payment due for that month.

sometimes hospital bills are looked at more leniatly than other collection because they can be accidental debts or mistakes with insurance and many times can be settled for less.

a utility is something that was charged out and used by the consumer who did not pay and shold have.