If you are having so much trouble getting the hoop out, plus the fact that you say the hoop is tight - I wouldn't attempt to take it out yourself. I would go back to the place that pierced it, and ask them to show you how to do it. They do this for people all the time. If you try to take it out at home & accidentally tug on it & it starts to bleed, you may have a difficult time getting it back in - and then your piercing could close. Get help with it. You may want to consider having them change the hoop to a barbell - they don't rub or catch as much as a hoop - so there's less irritation & it will probably heal faster. Another thing - you don't HAVE to remove it to rinse the inside of the piercing. You just stand under the shower & twist it back & forth while the water runs over it.

Also - you shouldn't put Bacitracin or Neosporin on a healing piercing. It keeps the piercing from getting oxygen, which it needs to heal properly. Antibacterial soap is plenty. Especially if you're doing salt soaks, too. And it's normal to have the white discharge for up to a year - it's a sign the piercing is healing.

I had mine pierced about a year ago. It didn't hurt at all & was completely healed in about 3 months - which is unusual. I had a barbell. I changed once to a hoop & found it got caught on a lot of things & made the piercing sensitive. So I changed back to a barbell & not a problem since.