There is a collection reported on my CR for an account that I have with a credit union that I am currently a member of. My bank account got overdrawn and it took me awhile to pay it off, but it was taken care of. I am wanting to send a GW letter to see if I can get the account removed from my CR. It was sent to a CA and I am wondering if I should send the GW letter to the credit union or the CA since they are the one reporting it?