I defaulted on my student loans, but luckily it hasn't shown up on any of my 3 credit reports yet. Now if I try to buy a house with mortgage, is there any chance that it will affect my eligibility and I will be denied?

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It may or may not affect your eligibility. I would assume that it would, since it definitely affects your DTI ratio. But on the other hand, if it doesn't show up on any of your credit report, the lender might not be able to find out. It totally depends on your lender. You would need to apply first to find out.

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