Why would an unpaid credit card for around $10,000 around 6-7 years old not show up on credit report???
2 attorney answers
I just noticed this was Amex. Amex doesn't sell its debt to Junk Debt Buyers (at least they didn't before they became a bank). They won't let you have another Amex though (they blacklist); however there is a way to get off the blacklist: pay the entire debt through their OASIS program. Then you (perhaps, if you qualify) can get an Optima.
The good news is they don't reage or play any of the other evil collector games.
Due to the expiration of the 7 year period for reporting.
But don't think you're getting off that easy. A junk debt buyer probably owns the debt and they're watching your reports for you to apply for a mortgage. Then they'll improperly re-age the account and give it a new account number to dodge the reporting requirements and slap it on your reports and you won't be getting a mortgage unless and until you pay it because they'll have you in a time crunch.
Or you could apply for a mortgage well in advance (6-12 months) and have time to battle them into submission.