[FNY2009]

Hello all
I am so glad that I found this forum.
I just found out that I have 3 collections from my credit reports. What a shock! I really need your advice.

#1: two collections are from NCO financial systems for the same debt. For a very small debt, <100, NCO has reported twice to all 3 credit bearus to tank my score. On the report, both collections are listed under the name NCO FIN/99, however with differerent account assigned date. When I checked the creditor's address, there are two of them. One is NCO in Wilmington DE, another is NCO in Philadelphia, PA. Can they do this? They just circulate the same account within the company and report it for multiple times?
I also found from internet NCO is notorious. I would choose just to pay to get it removed, however I am afraid that they would not honor their word even if I get the Pay to Delete letter. Anybody can give me some advice?

#2. A very old collection opened in 2004 and reported in 2006. It's a medical bill. I did have service at that hospital before, but I thought all my bills have been paid off by insurance or myself. I haven't received any statement from the hospital nor letter from the collection agency about this debt, thus I am not aware of it until now. What should I do now? Should I just leave it (since it's so old) or to find out what it is and deal with it?

At last, can anybody tell me what CA, CRA stand for?
Thanks in advance for your advice.