I have the closed mortgages...and several old paid medical collections...and 2 recently paid collections. None of them count?

What will happen when my lender tries to pull my score? I know I have a score - I subscribe to TrueCredit - and get their report.

I tried to get a couple of department store cards last fall, but was denied for both because they weren't able to verify my address with the CRA's.

Any idea of how much lender inquiries will affect the score?

Thanks!