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🤦🏽‍♀️