Is it Possible?

[burin4life]

Is it possibles to get pre-quified or pre-approved with a with credit scores above 620, but still have collection accounts on my creit report.

[boomhower]

Yes, very much so.  It just depends on how old they are.  More than two years and you will be fine.  If they are unpaid whether they will have to be paid or not will vary from lender to lender.  Mainly it depends on whether or not they think they are significant enough to risk a lean being placed on the home.