Do you need to have ZERO derogatory accounts to apply for mortgage

[FL_Flyer]

Hi myFico,

My question is, do I need to have absolutely no accounts that are not in good standing to apply for a mortgage?

My situation is:

1 - Cable Bill - less than $400, from 2010.

(TU and EX reporting this)

Moved out of home and roomates continued to enjoy cable, cable co. could not find me = turned over to CA

2 - Emergency Medical Bills (x2, $180 each), from 2007 

(Only EX reporting this)

3 - Old Secured CC from 2007 - $150. Dispute I handled improperly.

(All three CRA's reporting this)

Do I need to "clear up" all of these in order to obtain a mortgage? And IF SO: All except the cable bill are past my state's SOL so I would think I should be able to do a PFD for them. But, the cable I would have to figure something out to remove somehow.

Appreciate any help!!

[DallasLoanGuy]

if you have a balance of good credit..... these by themselves wont stop you from getting a mortgage

most lenders will not require them to be paid either.