Credit Score Review

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What is a credit score?

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 65 reviews)

Ratings Distribution

  • 5 Stars

     

    (59)

  • 4 Stars

     

    (3)

  • 3 Stars

     

    (1)

  • 2 Stars

     

    (2)

  • 1 Stars

     

    (0)

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 65 customers

Displaying reviews 1-10

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5.0

Excellent customer service, fast and friendly staff.

By 

from Baltimore, Ohio

Verified Buyer

Comments about HFCU Credit Report and Score:

My Loan Officer was very helpful with the loan process. She kept me informed through out the process. The follow up was second to none. The process was fast with out any issues. Thanks for the great experience.

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5.0

A pleasure to work with

By 

from JFK Federal Building

Verified Buyer

Comments about HFCU Credit Report and Score:

It is always a pleasure to work with any of the three competent staff in the JFK Federal Building. Always friendly and professional and they will go the extra mile. They get the job done.

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5.0

Loan Process

By 

from Waltham

Verified Buyer

Comments about HFCU Credit Report and Score:

It seemed to take a long time, but it was very easy and there weren't any issues. I really like working with a credit union.

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5.0

Always pleased!

By 

from Stoneham, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I have been a member of the credit union for many, many years and have never been disappointed in my dealings with you and the service provided. I also feel very secure with the credit union as compared to other available banking institutions.

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5.0

Exceptional !

By 

from Rochester NY

Verified Buyer

Comments about HFCU Credit Report and Score:

I recently moved back to NY State from Bedford but decided to keep my accounts with HFCU. I'm able to conduct almost every transaction online and everything else can be handled locally via the co-op network. That's what I call customer service.
I just took out my second vehicle loan working with Erlinda @ the Bedford Branch. Superior communication, the loan was approved within a few days, and we did everything online. Buying a car and dealing with all the paperwork can be stressful, but Erlinda made it easy. Thanks again Erlinda !
Even the dealership was amazed at how easy and fast the whole transaction was.
I also found the same high level of customer service and professionalism at the main branch on Hanscom AFB and the Burlington branch.
Thank you HFCU for the outstanding service, your amazing folks and the most enjoyable banking experience ever !

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5.0

Great service

By 

from Massachusetts

Verified Buyer

Comments about HFCU Credit Report and Score:

I have been a customer of HFCU for about 6 yrs and never had a bad experience. The claims specialists are very friendly and knowledgeable and the loan process was quick and easy. I would highly recommend HFCU to friends and family.

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5.0

Nothing but smiles!!!!

By 

from Cape Cod, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I have been a member of HFCU for approx 30+ years. In that time, I have taken loans for personal use, cars, boats and our home was also on a HFCU mortgage.

In some cases, the required lad time for a loan (boat) was very short but the HFCU staff came through every time.

In short, I have recommended HFCU to anyone who could possibly be a member.

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5.0

No Judgement Zone, fast and easy

By 

from Woburn, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

My husband and I met with Bill B.
concerning an equity line of credit. He was very pleasant, friendly and extremely knowledgeable. We had a non-stressful and comfortable experience with Bill and Hanscom Federal Credit Union in Bedford, MA.

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5.0

Great help increasing my score

By 

from MA

Verified Buyer

Comments about HFCU Credit Report and Score:

It was great working with customer service and all happened the way she explained to me. I am very proud to say this is best bank I have done business with!

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5.0

Jessica W made everything quick and easy!

By 

from Amesbury, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Dealing with Hanscom Federal Credit Union, and more specifically Jessica W, was an excellent experience. She did a phenomenal job making the process easy and painless. She couldn't have been nicer and her way of explaining things made it a comfortable process.

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