Half year ago, I went to a clinic for a check up. At that time, the doctor told me all expense is covered by my insurance company. later I got the report from a lab who did the test. Now, the lab sent me a mail saying that my insurance does not cover the expense, total 120$. IF I do not pay them, they will forward the debt to the collection agency.
So I have a debt of 120$ because the doctor lied to me, and if he told me that price, I would not do the checkup. I did not give out my social security number, driver license number, credit card number to the doctor. The lad only has my old address.
I do not have the money to pay them. So I want to know, without my social security number, can the collection agency ruin my credit score?