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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
 
4.8

(based on 152 reviews)

Ratings Distribution

  • 5 Stars

     

    (139)

  • 4 Stars

     

    (6)

  • 3 Stars

     

    (4)

  • 2 Stars

     

    (2)

  • 1 Stars

     

    (1)

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 152 customers

Displaying reviews 1-10

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5.0

Awesome

By 

from Jp

Verified Buyer

Comments about HFCU Credit Report and Score:

She is awesome. She is a very valuable person to your business.

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5.0

Excellent services

By 

from Lincoln, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Cooperative staff and best services offered

 
5.0

Very knowledgeable and friendly service.

By 

from Burlington, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Friendly atmosphere! It's like family atmosphere as compared to banks.

 
3.0

Credit checks are a hard inquiry

By 

from Bedford, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I opened a checking and savings account and opted out for the credit score check because it is a hard inquiry. Unknown to me in the user agreement to sign up for the easy deposit they require a credit check and charged 2 points.

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5.0

Easy easy easy

By 

from Devens, Ma

Verified Buyer

Comments about HFCU Credit Report and Score:

Things went so smoothly and we were so happy, we have now transferred 3 loans to Hanscom and maybe more!

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5.0

Excellent service

By 

from Boston

Verified Buyer

Comments about HFCU Credit Report and Score:

Always received an excellent service

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5.0

Loan Application

By 

from Boston, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I was able to apply for a home equity line of credit and get approved in less than a week's time and the rate is competitive. Also, I was able to close the loan at the end of the day. I arrived at the credit union office just before 5:00 pm to sign the paperwork. This accommodation was extremely convenient for me and very much appreciated.

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5.0

Excellent

By 

from Danvers, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Olga was great. She explained everything to us & the loan process went smoothly.

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5.0

Awesome Financial Institution

By 

from Cary, NC

Verified Buyer

Comments about HFCU Credit Report and Score:

Hanscom is my go to for all things financial. Over the years, they've extended credit to me to purchase vehicles, so credit consolidations and assisted me with getting my credit in tip top shape. I've been able to secure the best rates no matter where I'm located in the Country or the location of the item I'm purchasing.

The employees are pure awesomenessness. I see nothing but huge growth in HFCU's future.

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5.0

Love our bank

By 

from Fallbrook, ca

Verified Buyer

Comments about HFCU Credit Report and Score:

Love our back. Just wish there more more locations accross us.

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