VBSFCU Coronavirus COVID-19 Update: Please click here for current information and how to connect with us.
The Bonney Road branch will close at 1:00 pm on Friday, July 17 to replace the air conditioning unit on the building. The Salem road office will be open. All electronic access will be available.
Your credit score appears on your credit report. The score can directly determine the interest rate you may pay on a loan. This score can approximately range from 380 – 830 (the higher the better).
Your credit score is derived from five basic items:
Yes! We would appreciate an opportunity to review your credit report, which may result in saving you money by lowering your payments and rates. We will provide you with the tools to increase your credit score and a free copy of your credit report. Please call us for more information, or stop by a branch.
Bills are on everybody’s mind. Paying bills is an inevitable and sometimes unpleasant fact of life; however, not paying bills can create an even bigger problem. If you are experiencing or have experienced significant difficulties paying your debts, you know that the situation is a personal catastrophe. Recovery in such circumstances may take years, but there are some steps you can take to ease the restoration of an acceptable credit rating.
Ask us about the steps you can take to correct the information and for the contact information for the credit bureau’s).
The three Credit Bureau’s are:
We partner with Bank On Hampton Roads, a free adult financial education program.
Protect yourself by reviewing your credit report at least once a year.
Visit each www.annualcreditreport.com for sign up for your free credit report. You may pull one report from each bureau once a year.
Please read “Take Control and Protect Yourself from Identity Theft” (this is a PDF) for more information.