She Ditched Her Debt Collectors — and Raised Her Credit Score Nearly 200 Points

Tabatha Pankop spends long days on her feet. She waits tables,
sometimes working double shifts for 15 hours at a time. Like most
hardworking Americans, she has dreams of financial stability and

There was just one problem.

“I just never thought having a low credit score would
really impact your everyday life,” the 31-year-old Tampa server

Some old, and apparently unpaid, bills had hurt her credit. They
included an old cell phone bill and an old power bill, among

“I guess a deposit or some type of rent that I thought I paid
off, but I didn’t,” she says.

With her credit score dropping into the low 500s, she and her
boyfriend were living in an older apartment, because that’s all
her credit would allow. Pankop dreamed of buying her own townhouse,
but that looked out of reach.

The aggressive phone calls from debt collectors didn’t
help, either.

“Debt collectors — ah, man, they just literally harass
you,” Pankop says. “They will say things that are
inappropriate, and sometimes they can make you cry because they
will say things that are very rude.”

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

Quick Results: ‘My Credit Skyrocketed.’

She decided to give it a shot and signed up. She quickly saw a
dramatic difference in her credit score.

“Within a few weeks — maybe three months at the most — my
credit skyrocketed,” she says. “Before I started with
Collection Shield, I was at [about] 520, 530. Now I’m almost at
700. It’s just amazing.”

Collection Shield 360 offers two membership options:

  • Basic membership provides free credit-repair services with no
    cost to sign up.
  • Premium membership provides faster results and includes
    automatic monthly updates of your TransUnion credit score and
    collection accounts. You can sign up for premium for $1 for a
    two-month trial; then it’s $9.48 a month.

what it does

  • Contacts your debt collectors to have negative marks on your
    credit report removed.
  • Provides you with credit bureau dispute letters that can help
    scrub your credit report.
  • Connects you with consumer attorneys who provide free legal
    services to help you remove negative items from your credit

In Pankop’s case, it helped her deal with lingering bills from
T-Mobile, Bright House Networks and Verizon.

Now, Pankop has just signed a lease on a new apartment she
never imagined she could get into.
Next, she’ll start looking
for a nice little townhouse to buy.

Then she’ll go to nursing school.

“With having great credit, I’m able to get student loans
with a lower interest rate,” she says. “I plan on getting my RN
within the next few years.”

For her, it’s like a breath of fresh air.

“This has put me in a position where I’m becoming an adult,
instead of that young girl figuring out her life.”

Mike Brassfield ( is a senior writer
at The Penny Hoarder. He knows what it’s like to get calls from
debt collectors.

This was originally published on
The Penny Hoarder
, which helps millions of readers worldwide
earn and save money by sharing unique job opportunities, personal
stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder
as the fastest-growing private media company in the U.S. in

The Penny Hoarder Promise: We provide accurate,
reliable information. Here’s
why you can trust us and how we make money

Source: FS – All-News2-Economy
She Ditched Her Debt Collectors — and Raised Her Credit Score Nearly 200 Points