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.
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.