"Hard Inquiry Removal" Discussion

Upsolve Community Member
Mohammed, great question! There's a few ways to do this, all outlined in this article! https://upsolve.org/learn/remove-hard-inquiries-from-credit-report/ 

Upsolve Community Member
You can dispute hard inquiries with the credit reporting bureaus. If two years pass, hard inquiries will no longer be reported on the credit score. Hope that helps! Please let us know if you have any other questions! 

Upsolve Community Member
Hi. Did you do it all yourself or hired a lawyer. Thinking about filing chapter 7 and not sure if I should hire a lawyer or do it myself 

Upsolve Community Member
Congratulations Olakunle! The new year is off to a good start! Thanks for sharing your experience with Upsolve. 

Upsolve Community Member
Hi Taneshia, Yes I filed through Upsolve with $300 court fee. Good luck!

Upsolve Community Member
YESSSSSSS!!!!!  Congratulations Olakunie! Fresh Start in 2022!!! wooohooo! :-)

Upsolve Community Member
Congratulations! Happy 2022!! 

Upsolve Community Member
Conrgrats Olakune! Can you please share with us how long the process took? Also, by not hiring an attorney and going this way, during the whole process, does that stop the creditors from calling or filing judgements?

Upsolve Community Member
Congratulations on your discharge!! Woo hoo! After a hard-earned celebratory breather, you might want to do a quick read of Upsolve's tips in the article https://upsolve.org/learn/chapter-7-discharged/ to start reading up on how to rebuild your credit after bankruptcy. Congrats!! We're so happy for you!!

Upsolve Community Member
May 13, 2021 - completed my Chapter 7 Questionnaire with Upsolve June 26, 2021 - Uploaded all required documents ( Bank statements, ID copies) etc. July 14, 2021 - Filed with court in person, Filing fee $338July 2021 - completed my online Financial Management course Aug 27, 2021 - Teleconference meeting with creditors / Trustees Sept 24, 2021 - rescheduled meeting with Creditors / Trustees Oct 29, 2021 - rescheduled meeting with creditors / Trustees Oct 29, 2021 - Report of No Distribution filed by Trustee Nov 29. 2021 - Order discharging debtor signed Nov 29, 2021 - Final decree signed Dec 1, 2021 - Notice date

Upsolve Community Member
Hi Saed H, It's up to you if you wanna use a lawyer or not but in my experience during my research I figured out that using a lawyer will not make any difference except paying thousands of dollars that I can't afford. Remember you're trying to get rid of debts so you don't wanna end up paying someone money you can't afford. Your creditors will stop calling you as soon as your file with the court. Good luck! 

Upsolve Community Member
How many months of bank statements do you have to provide

Upsolve Community Member
Hi Sereathia D it depends on individual circumstances, in my case my trustees requested for 3 months which must cover the last transaction date on my bank statement...I already got a Charge-Off on my accounts since April 2020 so I visited one of the branches to request for Feb - March - April statements which arrived in the mail about 10 business working days later. 

Upsolve Community Member
Congratulations! All the hard parts are done! Be sure not to forget about taking the second course. 

Upsolve Community Member
Congratulations!!

Upsolve Community Member
thank YOU for being here

Upsolve Community Member
Daniel, you're so close! I hope to be in your situation soon. Thank you for the update and best of luck. 

Upsolve Community Member
Did you get your letter yet saying that you are discharged? The last day of my objection was 01/14. I haven't heard anything yet

Upsolve Community Member
Same. I was so happy when I told my mom. She said her generation (baby boomer) was ashamed to file but mine (millennial) wasn’t. Lol

Upsolve Community Member
Because it's a moment in time and while it feels like a huge failure at the moment (understandably so) soon you will realize that doing this and taking your life back in your own hands is the only responsible thing you can do. 

Upsolve Community Member
Hi Lorena.  One thing that can help is knowing that many famous and successful people have filed for bankruptcy, such as Abraham Lincoln and Walt Disney.  https://upsolve.org/learn/embarrassed-filing-bankruptcy/ is an article that you might find helpful.

Upsolve Community Member
Lorena, you haven't failed! Here are a few tips to deal with the https://upsolve.org/learn/how-to-deal-with-the-stress-of-bankruptcy/. 

Upsolve Community Member
I'm 7 years post bankruptcy and just now identifying that embarrassment or even shame may be behind my low level depression.  I came across this site in my search around this issue.  I'm hoping that my naming it and doing some uncovering may now lead to releasing it.   Its complicated - with regret, and an ongoing sense of what I've lost ( not having a home mostly) and the very real significant lifestyle changes this had led to.  And a real sense of unfairness ( which is hard to admit to as I  feel I 'should' be more accepting and positive about what I  do have).  

Upsolve Community Member
Mary yes it really works i thought it would be hard...On the contrary pretty straightforward and simple.....and the upsolve team can answer your questions along the way.....

Upsolve Community Member
Hi Mary! I know, there is no such thing as a free lunch. Welcome to your free lunch...  It's actually a partnership because, through a series of questions and answers, YOU provide the answers and if some of the questions are confusing, the Upsolve Learning Center will most likely have your answers. This Community will assist you in locating the appropriate Learning Center information should you have difficulties. I am an Upsolver! I filed and was discharged in 2020. I couldn't afford a lawyer either and not only was Upsolve the tool I needed to do it myself, but I believe in Upsolve so much, I am here to assist others like you! Good luck, Mary! :-). 

Upsolve Community Member
I have a question. So far it had been easy enough answering the questions. I am stuck though on how how to find all the places you owe and cannot pay? A second question, is on credit Karma I can pull up Transunion and Experian (I think it was Experian). I have 2 credit scores show in the high 500's. They are a couple numbers a part. My question is I did not have a but 3 credited on it I owe..and my student loans whick say I am good standing. Anything else say there closed. So why is my credit score so low?

Upsolve Community Member
Mary, as a former Upsolve filer now rebuilding credit, let me see if I can assist with the several questions you have here. First, CREDIT KARMA is a commercial company NOT a credit reporting agency. This Upsolve Learning Center article: https://upsolve.org/learn/get-your-free-credit-report/ As far as Student Loans are concerned, late payments on private and federal student loans are reported to credit agencies. If they are in good shape, you won't see them on your credit report(s). I hope this helps! :-) 

Upsolve Community Member
You might also find this article helpful, Mary! https://upsolve.org/learn/do-not-remember-creditors-owed-chapter-seven-bankruptcy/

Upsolve Community Member
Thank you. It did help but it's really overwhelming trying to find all the places you owe. Do I go back as far as I can with the debt?  Does this Questioner have to be done in 5 days? What happens if it isn't? Like I said it overwhelming. Sorry guys to ask all these questions.

Upsolve Community Member
You can take longer if you need, Mary. Thanks so much for being here