It is the philosophy of PAFCU to help as many of our members as possible with their credit needs. Our mission is to counsel members, showing them how to dramatically improve their credit scores so they can pay us less and help our community more. We realize that bad things happen to good people. We also understand that under enough pressure, our members can and will make mistakes. Our members deserve a fresh start. Finally, our goal is to come up with a solution for all of our members. Our members trust us to find solutions for them.