WOW, thanks for the quick responses everyone.  I didn't think this forum would be that active.  I've got the terms cleared up and it sounds like my job is a little easier, but I know that it could take a while to get these items removed even though they've already been paid.  I appreciate it!

I am thinking I'll ask the collection agency to remove it first.  If they don't comply, I think I'll go back to the original creditor and show them what a good customer I've been in the past and ask them if they kind politely ask the collection agency to move in my behalf.