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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 133 reviews)

Ratings Distribution

  • 5 Stars

     

    (122)

  • 4 Stars

     

    (5)

  • 3 Stars

     

    (3)

  • 2 Stars

     

    (2)

  • 1 Stars

     

    (1)

95%

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 133 customers

Displaying reviews 1-10

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5.0

Fast and easy

By 

from Boston mass

Verified Buyer

Comments about HFCU Credit Report and Score:

My experience with Hanscom credit union was pleasant quick and easy to apply.
It was easy to get approved and all my agreement papers as well as my credit card arrived quickly.

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5.0

Friendly and Thoughtful Service

By 

from Plymouth, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I had several questions when I called Hanscom Federal Credit Union for support. Not only did my representative answer my questions, but she helped me "talk it out" enough so that I would not make an expensive mistake in managing my accounts. Then, she put me through to technical support since I had forgotten my sign-in for online access. She also offered to mail my credit report and score to my home, and I received it within a few days. I don't think even a full week went by. She sent me a full credit report with my credit score and advice for protecting the current score and for elevating it in the future. HFCU ticks all the boxes when it comes to service. Great job, HFCU!

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5.0

THE BEST

By 

from Billerica

Verified Buyer

Comments about HFCU Credit Report and Score:

Absolutely the best . Amazing staff super helpful. Love doing business with them !

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5.0

Excellent Customer Service

By 

from Massachusetts

Verified Buyer

Comments about HFCU Credit Report and Score:

As a customer of this bank, the people are always friendly, and always helpful. The always go the extra mile to make your experience pleasant.

 
5.0

Professional and attentive service. Always friendly and help

By 

from Assonet Ma

Verified Buyer

Comments about HFCU Credit Report and Score:

It's always a pleasure doing business with the Natick Branch.

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5.0

Awesome

By 

from VA Hospital , MA 02132

Verified Buyer

Comments about HFCU Credit Report and Score:

Collin at the Branch

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5.0

Best customer service

By 

from Hawaii

Verified Buyer

Comments about HFCU Credit Report and Score:

HFCU is the best!!! Customer service is top notch.

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5.0

Extra Mile!

By 

from Framingham, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

As a new customer, I was surprised with a call, welcoming me to HFCU. Very helpful and knowledgable with all my questions. 6 months later HFCU went the extra mile and got me a smaller loan to help lower my monthly payments.! HIGHLY reccomend Hanscom!

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5.0

Overall great service

By 

from Atlanta, GA

Verified Buyer

Comments about HFCU Credit Report and Score:

I have been with HFCU for almost 20 years and they have been nothing but exceptional! In person, over the phone, out of state and everything I've not had one issue with their service. Since they have been with MasterCard there have been some issues but it's not the credit union, it's MasterCard so I will continue to bank with HFCU.

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5.0

Car refinance

By 

from Boston MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I went to the credit union at the JFK Fed. Bldg. to refinance my car, and the treatment that I received from Maria and Tamara was amazing. They were very patient with me, gave me a lot of information and advised me. I'm very happy and grateful for everything they did for me.

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