Last time I got a mortgage it turned out I had a couple of dings on my credit record because of unpaid medical bills (totaling a few hundred dollars) that I had

Last time I got a mortgage it turned out I had a couple of dings on my credit record because of unpaid medical bills (totaling a few hundred dollars) that I had missed and that had gone to collections. The banker processing my mortgage application said "It's not a problem. Everybody in America has unpaid medical bills. We ignore those." I got the mortgage.