Interesting. I had the same experience (doctor->collections; trivial amount of money) and it didn't impact my score at all. In fact, I laughed at the collection

Interesting. I had the same experience (doctor->collections; trivial amount of money) and it didn't impact my score at all. In fact, I laughed at the collections agent and told her they would never see a penny from me, as it hasn't impacted my score. That was several months ago and still no change in my score and I certainly haven't paid them.