Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - I have a bunch of inquires on my credit reports due to unpaid hospital bills. Will they ever go away? - Lots of unpaid hospital bills from trips to the ER. I can't afford to pay them. Several inquires are on my credit report from hospital collection agencies. Will they ever go away on their own? I read online that they will vanish after 7 years but I am still not sure. Do I need to declare bankruptcy to get my credit back up top par? -