Collection account, FICO scores and credit cards?

I have a collection account for a few years. I’m not worth it. Each month, they report it to the credit agency. My questions are -1) As they are realizing every month, they have to reduce my credit score each Month2) Or is there a decline in credit is a one time thing, like when you start the bankruptcy 400-4503) Is possible to obtain a new credit card if you are currently on duty nor does a collection account you into a new Kreditkarte4) From the collection account is old, how does this affect FICO scores

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