Carmax changed their return policy from 30 days to 10 days, will the hack still work or is that not enough time for it to hit our credit? Has anyone tried it?

Hi everyone 👋🏽 I have a question!? I started off two months ago with a 502, 567, and a 499 credit scores. Two months later I'm at a 718, 723, and a 736. I have gotten mostly everything deleted from my credit report except for 3 collections (Transfinancial hospital bills), (Equifax won't remove the 12 hard inquiries. I've tried everything 🤦🏽‍♀️) and I added 6 tradeline accounts but for some reason these 3 collection accounts keep coming back updated and verified. Someone please tell me what am I doing wrong? I've sent over letters after letters and I've opt -out and frozen all secondary bureaus. I have also made multiple complaints with the cfpb and FTC. Nothing still🤦🏽‍♀️

Has anyone ever gotten Sallie Mae removed from your credit report? It’s a closed account but still shows the missed payments.

PNC vs Citi Double Cash? I have $20k to transfer and it’s the only thing keeping my personal score down. And if anyone knows, can you transfer your personal car into your business?

Need some advice. Started a business using a personal credit card, we’re moving location and restructuring so it’s not bringing in any money right now. What would be the best way to pay down the credit card? It’s at a 16% APR. I just opened a business bank account with Novo but don’t know what to do next. Should I get business credit or a line of credit to transfer the balance and build business credit? I’m applying for grants too but in the meantime what should I do?