<prompt> Human: Last year and this year I got a physical that involved several blood tests. I had moved between last years test and this years, and while I changed my address with both my doctor and my insurance, somehow the change didnt get passed along to the testing company. They sent a few notices of my bill10 to my old address and then sent the bill into collections. My question is, what kind of impact will such a small neglected debt have on my credit score? I dont mind paying it off, but who do I pay? Is there anyway to undo the hit to my credit?  <response>: Debts under 100 will not affect your credit score 