Sounds like you are hearing sound phasing caused when two "identical" audio streams are played/mixed simultaneously and with a slight timing discrepency between them. In a recording studio it's pretty matter of fact to track down such a problem. But with soundcards, drivers/mixer applet, and the application using the card, it's not so straight forward.
It may simply be your soundcard's software mixer settings (volume mixer - that shows up on taskbar by the clock)
I'd make sure that in the sound playback mixer that only the Wave Out channel is active.
On the sound input (or record) mixer page, only the Mic channel is active.
try that
If still bad
Go into AH voice settings and find the Use Wave In ( or something) check box. If it is checked, try unchecked and visa versa if found unchecked.
try that
The crackle could be caused by overload (can happen when two signals phase) or possibly due to a clocking issue with the sound card. Unless you are using a professional soundcard that derives its clock externaly, then I doubt clocking is the problem since it occurs with two different sound cards that use their own internal clocks.
Have you had any feedback (piercing squeal with mic on)?
How are you monitoring?
Anyway...there are some things to check.
zes