Tabatha Pankop dreamed of buying her own townhouse, but with a credit score in the low 500s, that looked out of reach. Pankop had old and unpaid bills hurting her credit and the aggressive phone calls from debt collectors didn’t help, either. That’s when a co-worker told her about Collection Shield 360, a credit repair service that helps people clean up their credit reports and deal with collection agencies. “Within a few weeks — maybe three months at the most — my credit skyrocketed,” she says.