Free Credit Report & Score Review

Review your credit report for free

Plenty of people pay fees to get their credit score, but as a member of Hanscom FCU, you can meet with our representatives at no charge to review your credit report and discuss strategies to help you raise your score. Complete the form below and a member of the Member Relations team will contact you. You can also visit any branch location or call us at 800-656-4328 for details.

We care about your privacy. Please do not include your member number, SSN, or any other private information in your e-mail.
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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:

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.


Great Banking Experience


I go to the Bedford Branch on Great Road. Everyone is professional and very helpful. I especially would like to mention Mary, who greets and organizes patrons to an open teller. She is a real asset to the location and very helpful and pleasant. Thank you.

BEDFORD, MA - Branch on Great Road


Glad I joined


Excellent service and rates



Best Service... Ever


I worked with Tom at the JFK branch. He was fantastic - he was knowledgeable and brought a problem-solving, can-do approach. I really felt like I had someone on my side, helping me achieve my financial goal.

Boston, MA


Great Experience


Great Experience!!!





Disinterested customer service

Boston, MA


One of the best banks to work with.


Great experience. Abian is very professional and always a delight to work with.

Herndon va


Loan Process Misleading


I was told I have a good score (703), yet Hansom Federal CU was not able to provide my auto loan. I thought I would be saving interest (and money!), yet my loan never received final approval. I had to do the follow-up in several instances, not the loan originator rep. I would keep low expectations in the future when dealing with HFCU.



One of the last "local banks"


Personal service is hard to come by, HFCU exceeds reasonable expectations. It seems like you need to plead with national banks and veteran organizations for financial service, even with outstanding credit reports/history. All of my dealings with HFCU were handled over the phone and they fulfilled my requests. Good rates, good service and help a phone call away ... I'm so tired of the national banks.

Lexington, MA


Excellent service


Very pleasant and professional experience. Full explanation of report done both over the phone and in writing on the report. Thank you very much.

Anniston, AL


The best service ever


Easy to apply.

Bedford Ma


Credit Report and Score

4.7 384