How much do paid collection over 12 months and 24 months hurt your credit scor

I have two collection accounts($268 phone bill and $58 insurance bill) that will be still listed on my report when I apply for a home loan next year. They have been paid in full. The newest one will be about 14 months old paid and the other one will be just outside of the 24 months paid time frame you always mention in your blogs. Each collection account is approximately how many points off of your credit score? I know it depends on the age of the account. 10 to 50, 50 to 100, 100-250 points? What are the deciding factors? You said outside of 24 months very few points but what about less than the 24 month period.
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i would say about 25 points for one paid collection that is more than 12 months old
if it were less than 12 months and unpaid probably 50 points this is assuming a lot though assuming you have several lines of credit that are less than 79 balance to high credit ratio
and all are more than 12 months old.
and your score is higher than 600 if ones score is less than 600 it would not hurt your score much
there is really no absolute definition to your question. plus i cannot read your report
if i could look at it i might be of more help
each report is unique
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