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Do you need a credit check?

What is a credit score?
A credit score is a number ranging from 350 to 850 that provides an overview of credit worthiness. Your score is important because it can impact whether you’ll get a loan and how much you’ll pay for the privilege. The good news is that credit scores can change constantly, so it is possible to increase your score and reap the rewards of doing so.

How can I get a better loan rate?
Your rate is determined by your credit score. Your credit score is determined by how well you have handled your credit responsibilities in the past.

How often does a credit score change?
Your credit file is continually updated with new information from your creditors. The score is calculated based on the latest "snapshot" of information contained in your file at the time the score is requested.

So your FICO score from a month ago is probably not the same score a lender would get from the credit reporting agency today. Fluctuations of a few points from month to month are quite common.

How can I increase my credit score results?
Your FICO score analysis will suggest things you can do to improve your score overtime. Generally, people with high scores consistently:Pay bills on time. Keep balances low on credit cards and other revolving credit products Apply for and open new credit accounts only as needed.

Can I get a credit report on my own for free?
Yes, The Fair and Accurate Credit Reporting (FACT) Act requires credit bureaus to furnish consumers a free copy of their own credit report each year by request. Please Note: Free credit reports do not include credit scores.

How do I request my free credit report through the Annual Credit Report Request Service?
To obtain your free credit reports, visit: www.annualcreditreport.com

How can I request my free credit report review and enhancement?
Get your free credit review and score enhancement at any branch location or by calling member services at 800-656-4328.

Reviews

REVIEW SNAPSHOT®

by PowerReviews
HFCUCredit Report and Score
 
4.9

(based on 95 reviews)

Ratings Distribution

  • 5 Stars

     

    (89)

  • 4 Stars

     

    (3)

  • 3 Stars

     

    (1)

  • 2 Stars

     

    (2)

  • 1 Stars

     

    (0)

96%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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Reviewed by 95 customers

Displaying reviews 1-10

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5.0

Great

By 

from Boston

Verified Buyer

Comments about HFCU Credit Report and Score:

 
5.0

Great personal service

By 

from MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Thank you Lucy for all your help

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5.0

Great customer service and very reliable

By 

from Tampa FL

Verified Buyer

Comments about HFCU Credit Report and Score:

Thank you for all that you do and all the hard work you put in. I truly appreciate it.

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5.0

Great experiance and service

By 

from Lynn, Ma

Verified Buyer

Comments about HFCU Credit Report and Score:

Because I'm self employed the application took a little bit longer than i expected with a credit score of 780 but overall had a great experience and Julie was very helpful and always returned my phone calls.

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5.0

Car loan

By 

from Boston mapete

Verified Buyer

Comments about HFCU Credit Report and Score:

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5.0

Easy Credit Report

By 

from Easthampton, Ma

Verified Buyer

Comments about HFCU Credit Report and Score:

My girlfriend and I who are members simply phoned to request our credit reports which are free to all members on an annual basis. It had been a few years since we had seen our reports so, we called. Unfortunately I do not remember the very pleasant person we both spoke to, but, she cheerfully offered to, and went over the specifics while explaining the details as to how the score is calculated in very straightforward language. She also happily answered the few questions we had. We encourage any member who is curious to do the same and invite prospective members to consider this one of many benefits of being an HFCU member.

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5.0

Customer Service

By 

from MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I have to say that over the last several years I have grown increasingly frustrated with Hanscom's Customer Sevice and the difficulty in trying to make contact with a real person. I called with a question on mobile banking and for the first time in many years actually reached a person to talk to. Susan not only quickly and competently answered my questions but also offered information on credit scores. She even followed up just as she said she would. Quite honestly prior to my contact with Susan I was ready to terminate my banking relationship with HFCU. Now I am willing to give it another chance. I hope all your customer service reps are as competent as Susan is!!!!! It was the service I had been used to may years ago.

 
5.0

Friendly, engaging, and knowledgeable

By 

from Billerica, ma

Verified Buyer

Comments about HFCU Credit Report and Score:

Best choice I made was to switch from a very large impersonal bank, to a friendly welcoming one!

 
5.0

Great Customer Experience

By 

from City of Champions

Verified Buyer

Comments about HFCU Credit Report and Score:

Jessica was great through the whole process. She was responsive, knowledgeable, and solutions oriented.

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5.0

Great experience!

By 

from Wayland ma

Verified Buyer

Comments about HFCU Credit Report and Score:

As always a great experience! Professional knowledgeable staff.

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