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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 organization


The HFCU branch at the Natick Army Labs is top notch. Friendly and helpful staff.Ever interaction Ive ever had with HFCU has been positive how often do you hear that about banking ?

Swampscott Ma


Proffessional , friendly ,service!


I recently applied for a personal loan. I spoke with Erlinda from the Bedford Branch and she was more than eager to help me in any way. She requested cetain documents in order to process the loan, and as soon as she received them all the loan went through smoothly. Erlinda and the rest of the staff at the Bedford branch are always a pleasure to do business with. I always tell people to open up an account with Hanscom Federal Credit Union because of the rates you offer , and the proffessional staff.



No problems


Old card expired without receiving a new one. Thank you USPS. Call Hanscom and received a new on quickly. Thanks

Columbus, OH


Very friendly and personalized service.


Speedy reply.



One Stop Shopping


McLean Branch employees are so friendly and efficient! Sometimes I regret that I use online services (including check cashing) so much because I don't get a chance to see them. However, when I do need in-person services, they always do a great job and are happy to see me.

Mclean, VA









I applied for the World Mastercard and it was approved with lightning speed! Received the card 5 days later. It was replacing a platinum Mastercard that had a chip malfunction. Ashley answered all my questions and helped me complete the transaction. Thank you Ashley!



Love Hanscom!


Hanscom is the BEST Credit Union in this World!! They are really ready and able to HELP you build your credit! I am looking to get a SUV, I will go to Hanscom FIRST, the BCU to compare their BEST affordable interest rates and offers. Thank You!

Stoughton, MA


Less than Happy!


The amount of time and the lack of communication from the HFCU Team was less than impressive. It was really disheartening to go through this and have little to zero support from the staff. We had to constantly call for updates and were left in the dark most times. Less than happy with this process!

Boston, MA


Very professional


South bay. Very convenient



Credit Report and Score

4.7 444