<prompt> Human: I have a few unpaid collections that are from 2005 that have long since fallen off my credit report. Im looking to buy a house in a couple of years and was wondering if this would affect my ability to get a mortgage. Do mortgage lenders look anywhere else besides your credit report for unpaid debts?  <response>: I had a TON of debt accrued right when I turned 18 back in 2000. I must have built up 4-5k of credit card debt, bought a 2k computer that I never paid for, eventually all of paying everything fell apart when I lost the job I had back then. Over the next couple of years, I moved a ton. Eventually, some of the debt caught back up with me 2-3 years later, they found who I was working for, and I was garnished by 1 or 2 of the creditors for about 2k back.All in all, when I was a stupid minor, I probably had 10k in debt written off. Ill still randomly get letters or phone calls from them, but I wanted to mention this because I JUST closed on a new house about 30 days ago. If its not on your credit report, Im pretty sure youre in the clear. Keep ignoring any letters and dont answer their phone calls. Saying something wrong could reset the statute of limitations and bring the debt back to valid status again. They can contact you about it, but they cant take action on it as its outside the SOL. 