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If you have debts so old all the CA's stopped trying to collect years ago, will they come back to haunt you when you apply for a mortgage? How old could they be and still be a problem? Way older than all possible SOL's, including both collection and reporting SOL's. In the distant past, most CA's re-aged old debts to cause problems with mortgage applications. Do they still do that?
they could re-age the accounts or something.
opt out with the credit bureaus... that will help
and make sure all dispute comments are gone from credit. otherwise lender has to pull a new one after you get them removed