As for your maiden name issue, I am experiencing the same thing... Some very old debt in the wrong name.
I called the 3 bureaus, and was told they won't change the name on my CR until I changed it with the original creditor. Just a heads up.
How does someone obtain their entire credit file?
I would have to agree with Guiness as the debt does fall off your CR it goes into our file at the CRA's. If you are getting a Mortgage for $150,000.00 or more there is a good chance the underwriter could request your whole credit file. The process of getting home loan now a days has become very long and difficult. I reside in IL as well. I had a consumer attorney handle my Credit Reports from all 3 CRA's.
It is possible that they can pull your full credit file as said before. I totally agree with that, however, this is not the norm. It doesn't happen on a regular basis. The asking of the question if you have any outstanding debt does come into play. You want to answer truthfully, so I always suggest paying/settling these old debts. Even if it's 10% or so, you could honestly then say you don't have any unpaid debt.