This is possibly caused by your NVidia drivers for your 9800 card. Weird I know !
If you are running the later 200 series drivers it causes pops and crackles during speech and id VATS mode.
The only fixes are to either upgrade the graphics card or downgrade the drivers to earlier versions. I found the 196/197 drivers to be the most suitable match for the 9800 series cards being the most stable.
B