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.


Superb Customer Service


Both of the HFCU reps that assisted me with increasing my credit limit and lowering my interest rate were outstanding. They even sent me my credit report with specific recommendations on improving my score. I've been with HFCU for 20 years now, and I highly recommend becoming a member if you aren't already.





I have been working with Lucy at the Tip O'Neil Building for years and she always goes above and beyond!

Boston, MA


Great service and rates


We worked with Colleen at the Bedford branch. Wonder service and the process is quick.

Dracut, MA


Making a transaction


I didn't do any of the above. I was transferring funds from one account to another and the representative was very helpful and knowledgeable.

Newbury, MA

Fast and easy to apply


Great customer service!!

Boston Ma


Truly The Best


Can't say enough this Bank is great and the people there are wonderful and helpful with all there service's

Pelham NH




I couldn't be happier, the service was above and beyond great



Great job


The process was made made real easy and they were very helpful.



Website is not good


When I log into my account from my phone and I got to the dashboard there are times where my balance never shows up


excellent service


Jessica in Bedford was great



Credit Report and Score

4.8 293