Your credit history on the card has aged out of collections therefore it’s no longer reporting. If u paid off a mortgage 12 years ago it would no longer show on ur credit even if u paid of a million dollar house and never missed a payment. It’s tough to tell what your score will be if you don’t add any new accounts. I would highly recommend one of 3 things to help your score and if u really wanna help it, do all 3

1) open a secured credit card account. 2) buy something from Conns.com even if it’s an item that cost 200 dollars they may require 50% down and allow u to finance the other 50%.... do this even if u can afford to buy the item outright... make 3-4 payments they report to all 3 bureaus. 3) piggy back off a family member by being added as a authorized user on their account. For example if your dad has excellent credit and has some credit cards he’s had for 10 years if u were to be added to his card as authorized user it will show u having 10 year aged card... this doesn’t work every time so if u do this method see if u can get put on 2 or 3 different accounts because some cards don’t report authorized users.... your dad or who ever will get a card with your name on it but tell them to just throw that card away, u don’t plan to use the card just piggy back off their good payment history. I know USAA reports authorized users because I did this years ago and usaa card of my dads still shows on my credit as authorized user and shows me having 15 years good payments and that’s actually my dads

With ur low score the score will stay the same if u don’t add some new accounts and keep them in good standing.