[bcassedy]

I've had a similar experience when changing mobile provider. For whatever reason it seems like that last bill posts late and never shows up. In the past I didn't have autopay turned on so I just didn't even know about the debt until I started getting letters from collections firms 6 months later.

I imagine that these last bill things end up dinging a lot of people's credit. Luckily I've paid them when I find out about them and my credit bounces back once the payment in full is reported.