"How To Remove Hard Inquiries On Credit Report" Discussion

Upsolve Community Member
that’s what i want to know as well good question 

Upsolve Community Member
Stephen, thanks so much for asking! This may be a good place to start learning more: https://upsolve.org/learn/how-long-bankruptcy-on-credit-report/ 

Upsolve Community Member
Generally speaking, information on your credit report isn't taken off once a bankruptcy is filed. There's generally a time limit for how long any information will stay on a credit report (i.e. for charge-offs it's generally 7 years). This wouldn't automatically change due to a bankruptcy filing. 

Upsolve Community Member
Please let us know if you have any other questions! 

Upsolve Community Member
Hi Stephen, even LATE payments can stay on your credit reports for up to 7 years! So don't be late! ;-). FYI, Upsolve has a new "Room" in this Community where conversations about https://my.upsolve.org/rooms/19 and rebuilding credit are/will be happening! See you there! :-) 

Upsolve Community Member
Stephen, you might also be interested in reading https://upsolve.org/learn/chapter-13-credit-report/ and https://upsolve.org/learn/remove-hard-inquiries-from-credit-report/ after you read the article Claire suggested. 

Upsolve Community Member
Mary, this is a great question! Generally speaking, while hard inquiries can impact a person's credit score, they aren't related to a bankruptcy proceeding. 

Upsolve Community Member
It's not a requirement to consider hard inquiries when filing for bankruptcy. If you're looking into improving your credit score, this might help! https://upsolve.org/learn/remove-hard-inquiries-from-credit-report/ 

Upsolve Community Member
Hi Mary! If you haven't seen this article in Upsolve's Learning Center, here it is: https://upsolve.org/learn/remove-hard-inquiries-from-credit-report/

Upsolve Community Member
Hard credit pulls makeup 10% of your credit score. That's relatively small compared to other factors, but it does impact the score. They get removed after 2 years. Soft inquires have no effect and doesn't matter how many soft pulls you have. :-)

Upsolve Community Member
There's a number of ways to improve your credit- removing hard inquiries is one of them, but don't think that's the only way to get your credit score up! 

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
I just realized, this probably can't be answered, legally =/ 

Upsolve Community Member
I used to know someone with MS, I can empathize that it must be really difficult to have this condition, need to pay your bills, etc. I can't answer this directly for you (wish I could, sorry) but my thought is that declaring Chapter 7 might not be THE answer.  

Upsolve Community Member
You might not be able to work in the traditional sense but maybe you can look into some kind of remote work that would suit you better so that you can pay your bills and do something that is more in line with your condition. Another idea is looking into your state's social services and seeing what they might offer to see if it can alleviate some of your concerns. I hope that helps a little bit and that your situation improves soon! All the best.

Upsolve Community Member
There's information in this article that might help you, Meris: https://upsolve.org/learn/will-bankruptcy-help/