/kloc-Will the failure to pay the phone bill 0/5 years ago affect the mortgage?

No, the three major operators did not merge the credit report of China Bank, which means that the arrears will not be displayed in the credit report, but recorded in the three major operators' own systems, so don't worry. When buying a house, I found that there was a problem with the credit information. This needs specific analysis. Is it overdue once or twice or has it always been illegal? Is it overdue now or a few years ago? Is there a problem with the credit investigation before the deposit is paid, or has the deposit been paid to find the credit investigation? Because of the existing problems, the solutions are different.