I am 23 and I have a total of $2,000 in credit card debt and medical bills. I want to pay all of these things off, but at the same time I want it off of my credit report once I pay it. The question I have is, if I place in the memo line of my personal check "upon cashing this check parties agree the balance is paid in full, and collector agrees to take negative information off of my credit report", do you think that the companies will cash the check, and if so, is this considered a "Written" Agreement, and can I use this so that I can get this info off of my credit report. Like I said, I want to pay these items in full, but I also want them off of my credit report. If you dont think this will work, please list a alternative route. Thanks

It'll stay on your report, but show that it is Paid In Full.

THEY have to send YOU a letter though, a "resolution of debt" letter. And you have to pull your report to make sure that they reported it as paid.