How long will it take to repair my credit score?

Banking Made Simple

At Valley Federal Credit Union, we make it easy to manage your money with services built around how you bank. As a member-owned credit union, we’re committed to providing secure, convenient tools and personalized service to members throughout the Rio Grande Valley.

Simple & Secure

Tools that keep your accounts safe and easy to use.

Always Available

Bank on your schedule, online or by phone.

Local Service

Get friendly, personalized support from a team that’s here for you.

A credit score can take anywhere from 7 to 10 years to repair depending on the situation. Late payments, foreclosures, and Chapter 13 bankruptcy usually take 7 years to fix. Chapter 7 bankruptcy can take up to 10 years to fix. Joining a credit union is the first step in establishing good credit.

Contact Us

If you have bad credit and are looking to brighten your financial future, contact the Valley Federal Credit Union main branch at (956)546-3108.

Why Bank with VFCU?

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Member-owned, with service that puts you first

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Local decision-making and fast, friendly service

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Secure online and mobile banking tools

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Support from a community-focused credit union

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Two branches serving Brownsville and Harlingen

Ready to Get Started?

Open an account online or speak with a Valley Federal Credit Union representative to find the best option for you.

Have questions? Call us at (956) 546-3108.

Not a member yet?

Join Valley Federal Credit Union and experience banking that puts you first.

Join Today