Ignoring the three grand on your old credit card? Really does not make it go away.
No, not even if the account was opened more than seven years ago. That's got nothing to do with it.
No, not even if you just stopped paying it more than seven years ago. The debt will just get sold to collection agency after collection agency after collection agency, and guess what? The seven year statute starts over every time that happens.
No, not even if the bank isn't harassing you anymore. I promise their computers still remember.
No, not even if the bank has completely given up on you, discharged the debt, and sent you a 1099 because you now have to report that unpaid debt as income and pay taxes on it.
No, no, no - not even if you scream at me and a representative from the bank you screwed about how you're going to report us to the IRS.
I don't care how angry you get - if the bank says you still owe them three grand, that's what I'm going to tell the company you're applying for a mortgage with. I don't fancy the idea of paying for your mortgage when you default and it's my ass in a sling for falsifying information. So go ahead and call the IRS. Dumbass.