No Dunning Letter After a Week

[Boldilocks]

Hi All - don't really know where to start on this one.

I cleared hubby's credit up a couple of years ago and got his scores from 548 to 750 - but they were old debts I was dealing with that had been sold and re-sold.

I have only been a green card holder for 3 years - so I started from scratch, built my credit up and kept everything perfect, and had 750 scores myself.

THEN, I happened to pull my CR on 10/26/12 and noticed a 30 day late on my QVC GEMB card.  It had been due on 10/21/12 and I had completely forgotten about it!

So I went and paid it straight away - not the minimum payment of $53.00, but the full balance of $150.00 (that included a $35.00 late fee).  I promptly sent a GW letter apologising, taking responsibility, and asking if they could remove the late. 

THEN, last Tuesday 11/13/12 a collection appears on my credit report!  CA is listed as CREDIT MANAGEMENT CONT - with a balance of $50.00 past due one month (though it says date opened is 8/1/12, so that's a head scratcher).  It says "Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department".  The first time I saw it was on 11/13/12 - I have not received a dunning notice.  I'm assuming it's the QVC thing because I have no other collections and everything has been paid.

The collection is listed on Experian only, and the 30 day late is listed on Experian only - EQ and TU have as "paying as agreed".

Do I DV the CA?  What about the lack of dunning notice?

[Boldilocks]

AHA!

Further investigation showed it to be from our gas company - a $50.00 fee for changing services.  However, I wrote a cheque on 9/11/12 for the payment, which my bank shows was cancelled on 10/04/12.  Do I deal with the OC or the CA?  The check was made out to and cashed by the OC.

[Shogun]

Contact the OC.  It was paid to the OC.  The CA shouldn't have anything to do with it.