What is a credit score? Through statistical analysis, a credit score consisting of three numbers is calculated based on credit report information, which is then referenced as creditworthiness of an individual. Your credit score can either make you or break you. For more information regarding your creditworthiness, contact VFCU at the Harlingen Credit Union branch at (956) 425-5668, or the Brownsville Credit Union branch at (956) 546-3108.