Will lenders be able to view any collections/charge offs that have "fallen" off our credit report?My husband and I are interested in purchasing our first home in the next few years. Unfortunately, we fell victim to lay-offs and a miscarriage that resulted in a financial catastrophe. We are trying to pay off our old debts as much as we can but there are a few we don't want to touch since they are due to fall off our report in a year. My question is, will lenders be able to view those dropped off debts or are they only able to view what is on our credit report?July 11 2010 - Lake Bluff0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.