A few months ago I moved apartments within the same city (different zip code). In the midst of moving, I tried to change service addresses with the utility company. Long story short, the new location was serviced by another company and so I asked to close my account (2/12/10). Over the phone (not good!), I asked if the account was current and whether or not I owed anything, to which the CSR replied that everything was up to date and that I was set. I provided a forwarding address and the utility company already had my phone and e-mail on file (having signed up through their website around 3/1/08). Fast forward 4 months later and I notice through my credit monitoring service a new account by the original utility company was reported by Experian (6/8/10) with $39 outstanding as "in collections". As soon as I was alerted, I paid the amount directly through the utility's website (6/10), which may have been a mistake... This month I noticed my Experian score took a 100 point hit from 749 to 649! My TU and EQ scores remain in good standing, but holy mole that is a big hit for a measly $38! As soon as I saw my EX score take that hit, I contacted the utility's billing department via their website and through the phone. I asked over the phone whether or not they could help, to which I only received the reply that a "Paid in Full" letter would be provided to me. Through e-mail, the utility replied that as I had paid off the balance, the account status had changed from Charge Off or Unpaid Collection to Paid Charge Off on 6/10. The problem, from my point of view, is that I hadn't received any type of notification regarding the account's standing and the issue was only brought to my attention through my credit monitoring service. I don't dispute that the balance is mine, but I had given my forwarding address at the time I had cut off service and the utility already had my phone and e-mail, yet I received no notification. I was told by the CSR over the phone that the bill had been sent to my old service address I'd really appreciate some advice on this matter as I am just finally clearing up my credit after having trashed it in my youth. I'm also concerned about this utility bill impacting my other scores as I probably need to take out a loan to go back to school full time in the near future. Thank you all in advance for your help.