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.


Easy, Friendly very knowledgeable staff!!!!


Great knowledgeable Staff, A pleasure to work with!!!

North Andover Ma

Great value


I have been with HFCU for many years and have had nothing but the best service.

Lowell, MA

The Best of the Best


I have had an account here for 40 years. I have used just about every service they offer. Car loans, Mortgage's, High Rate savings, Checking, Bill pay.wire transfers etc. I have never experienced a person that I didn;t feel had a vested interest in providing me with the best service. Even though I now live 1000 miles away, I will never close my account at HFCU. Thanks to all the employees who make this credit union the Gold standard


Fast and patient with client.


People are so helpful especially Eric on Burlington location.

Waltham Ma.

New customer of HFCU


Excellent service by professionals.

Brookline MA

Excellent credit union with good customer service


Very friendly customer service and good rates.


Mortgage Process


Overall my application went through reasonably smoothly. However, the communications process could have been better. There were documents on the checklist that I later was told that I did not need to provide after spending some time to accumulate.

Western MA



Overall excellent!!! Thank you!

Hanscom AFB

Melissa Prochnow - Provides Exceptional Customer Service


She makes sure the customer is taking care of - That they are her Number 1 Priority. I went to Bedford office and ended up going right back to Melissa.

Clinton MA

Bragging rights


I don't have a loan with HFCU but do have several accounts and the service has always been outstanding. I brag about it to others when they express frustration with their bank.

Concord, MA

Credit Report and Score

4.8 226