<prompt> Human: If you need help, please check the PF Wiki to see if your question might be answered there.While we never remove posts just because a question is answered in the wiki, this thread is a low-key place to ask any question no matter how moronic you think it might be.Make a top-level comment if you want to ask a question! Also, please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past help threads, please search the Weekly Archive  <response>: I recently checked my Equifax credit report usually I only look at Transunion tbh and I found that I have TEN derogatory marks on my report. They are all bills in collections from a surgery I had last year and, after several thousand dollars in payments, thought I had paid off. I havent received any calls or letters from the doctor regarding this debt. Yet all ten bills are listed from the same doctor I havent heard from, same collector Ive never heard of, all less than 100. The marks are on 2 dates about a month apart, 5 on each day. Several are identical, suggesting they are the same bill but have multiple separate derogatory marks.Obviously Im going to call my doctor when the office opens and get these dealt with. But how damaging are these collections for small amounts, before and after theyre paid? It is much worse that the doctors billing department, for whatever reason, broke up the bills in such small increments 13-62? How does the same 36 bill result in multiple marks on my report? And is this normal or common? Nothing like this has happened to me before. 