HD187

Hi Experts, I have pending 187 application. I with my husband lived in the USA for few years (were on valid VISA) and have a couple of unpaid credit cards debts and 2 of them are in collection. Apparently, one collection company bought both debts but have not (or could not) get in touch with us. We are not in a position to pay. It's almost 3 yrs that we last made payment. Let me be clear here that, none of these debts are for US government. We have requested FBI clearence but have not received yet. I was told that unpaid credit card does not show up in police record, is it true? We have no other records with police. Next, I noticed that while filling form 80, we have to fill up all previous US address which is not a problem (and how accurate does it needs to be?? as we lived in quite a few different places and may not remember exact dates of movement) and US Social Security Number as well. Is it likely that immigration will check US credit history using social security number? I was told that they will not but i am afraid if they do and unpaid credit card debts pop in and could that be the reason for VISA refusal? Thank you