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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 115 reviews)

Ratings Distribution

  • 5 Stars

     

    (105)

  • 4 Stars

     

    (5)

  • 3 Stars

     

    (2)

  • 2 Stars

     

    (2)

  • 1 Stars

     

    (1)

96%

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 115 customers

Displaying reviews 1-10

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4.0

Excellent Customer Service

By 

from Leominster, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Easy apply. Great customer service from the Natick branch. Rates were competitive.
HFCU is awesome to deal with.

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1.0

go somewhere else

By 

from Boston MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I was led to believe that I would qualify for a refinance of two cars. I applied and was later told that because I used the car for ride share that I needed a business license. I explained and provided documentation that it was not necessary as the vehicles were in my name and there was no requirement for the vehicles to be in a corporate name. that is only required if it is a Livery business,
It was apparent that agents had no idea what they were talking about. In addition, I was then told that they couldn't approve the loans because of the values. Needless to say I would not b e a good reference for Hanscom.

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5.0

Easy Time at Hanscom

By 

from Seacoast New Hampshire

Verified Buyer

Comments about HFCU Credit Report and Score:

Great Service when I was applying for my Motorcycle loans

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5.0

Excellent service

By 

from Hyde Park, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I spoke with an account manager and she gave the correct information, took her time to answered all my questions and she wen an extra mile to help me with my account.

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5.0

excellent customer service

By 

from Boston, ma

Verified Buyer

Comments about HFCU Credit Report and Score:

Every time I am going to do some transactions, they always welcome me with great kindness and they respond to all my questions. I have nothing negative to say regarding the credit union that I go.

 
5.0

Consistent attention to customer service

By 

from X

Verified Buyer

Comments about HFCU Credit Report and Score:

I have always been impressed with the quality of service and the friendliness of the staff.

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5.0

Quick and professional

By 

from Medford, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

Nina was informative, very helpful and had excellent communication.

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5.0

awesome service and very helpful

By 

from Attleboro, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I will definitely come back to Hanscom Federal Credit Union. It has been a pleasure having your company service my loan for my past car and when my credit score gets up I will definitely be back to refinance my vehicle with your company. Thank you for all your have done for me and I definitely will be back soon.

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5.0

Outstanding service in all resepects!!!!

By 

from NH

Verified Buyer

Comments about HFCU Credit Report and Score:

All your services are top top notch!!

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5.0

Excellent

By 

from Saugus

Verified Buyer

Comments about HFCU Credit Report and Score:

Have been using hfcu for many years. Always helpful, thorough, and courteous.

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