My conscious got the best of me, so I called the 2 different places about the returned checks being reported on my credit report. They were VERY nice and agreed to delete for payment. Both faxed me a letter at home agreeing to this. I will be sending money out tomorrow and they said they will fax to the CRA's as soon as they receive the payment as well as do it via snail mail and computer. They said normally faxes work faster. So...that will be 2 more collections GONE forever. When in doubt just ask them. Oh one thing that helped is that the guy at one said he noticed my address on CR is New York, yet I mailed a letter from Texas. (long story but equifax messed that up) so he felt something was seriously wrong and contacted me via CRR to alert me when they received the dispute from the CRA.