creating table with different SCHEMA...

Hi all,
i m using sql server2005 CTP...i created a database called TEL and in that database i created a user(in security) as
USE [TEL]
GO
/****** Object: User [COLL_DB] Script Date: 09/27/2005 15:38:51 ******/
GO
CREATE USER [COLL_DB] FOR LOGIN [loginName] WITH DEFAULT_SCHEMA=[COLL_DB]

Now,when i m trying to create a table in the database TEL as
CREATE TABLE [COLL_DB].abc (c numeric)
commit;

it gives me error saying
The specified schema name "COLL_DB" either does not exist or you do not have permission to use it.

Now,can someone tell me...what i have to do to fix this error???
thanks...I'm gonna go with that COLL_DB has not been assigned any permissions, and needs probably to be added to a server role.