1. I have a CA on my CR although this account was never sent to collections by the original creditor ( a phone company). I have a letter stating this account was paid in full to the phone company and they have nothing in there system stating that they sent this account to a CA. My accouunt was paid in May although the CA reported this in July. My question is, is this a violation? I realize I need to send this letter to the CRA but do I also need to send it to the CA? 2. Once an account has been paid in full to a CA is there anyway this can be removed. This is really the only "bad" blemish on my CR causing my score to be below 600. Any ideas??