Rushpat,
please re-read my first response to your post.I really do not want to repeat this.& take your time and absorb what&I posted and it will answer these questions you have.& remember it is not
your credit report.& you have unlimited credit under public policy.& Your strawman is the one in debt forever.
I can assure you that is what CCs do to applications.& If you want more info on this, there is a website that explains it in a little more detail however, these guys charge an arm and leg to do this.& the only thing I want is for you to be free and knowledgeable so you can fish for yourself--instead of me giving you a fish ;-)
Here is the website:
http://www.nomoredebt.cc/efgs/
And if you are concerned about them saying "yep" the debt is valid--then just discharge it.