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
 
5.0

(based on 17 reviews)

Ratings Distribution

  • 5 Stars

     

    (17)

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100%

of respondents would recommend this to a friend.

Pros

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Cons

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Best Uses

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Reviewed by 17 customers

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5.0

Excellent

By 

from New hampshire

Verified Buyer

Comments about HFCU Credit Report and Score:

All of the times I have reached out to HFCU everyone has been a delight to deal with. I had an issue where my CC # was stolen and the people I spoke with were very professional, personal and efficient. During the transition from the HMH card to HFCU I often called to have money transferred from my account to my card and I believe it was Susan I spoke with, she was always extremely professional and pleasant.

 
5.0

HFCU experience.

By 

from Wilmington, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I have been happy with my continuous banking with HFCU. Any questions have been answered with courteous replies. When I had my car loan they were there to give me the best rate. I have had no issues with my mortgage billings or MasterCard. I will continue to use HFCU as my primary banking.

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5.0

Hanscom is the best

By 

from boston, ma

Verified Buyer

Comments about HFCU Credit Report and Score:

I love Hanscom been banking with them for over 14years.

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5.0

Courteous, Respectful and VERY KNOWLEDGEABLE

By 

from Dorchester, MA

Verified Buyer

Comments about HFCU Credit Report and Score:

I have had several interactions with Hanscom Representatives. They have ALWAYS been VERY pleasant and patient with me, which I sincerely appreciated.

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5.0

Excellent customer service

By 

from Billerica

Verified Buyer

Comments about HFCU Credit Report and Score:

My Loan Officer,,Ashley Netishen was extraordinary. Her professionalism and customer service skills were unparalleled!
She was attentive and returned all inquiries without delay and was a pleasure to deal with.

My past HELOC provider Santander had a lower interest rate but decided to use Hanscom because of Ashley and her outstanding service she made the entire process virtually seamless!
She is a great representative of Hanscom!

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5.0

Great customer service

By 

from Massachusetts

Verified Buyer

Comments about HFCU Credit Report and Score:

I've been banking with Hanscome for a less than a year and I absolutely love Hanscom great customer service very friendly and gave great advice on how to maintain goog credit .

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5.0

Quick response.

By 

from Jacksonville, Fl

Verified Buyer

Comments about HFCU Credit Report and Score:

Always get great service from Hanscom and their representatives.

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5.0

A friendly, helpful, and informative visit.

By 

from Wilmington , Ma

Verified Buyer

Comments about HFCU Credit Report and Score:

I have meet with Anna and James and was pleased with my visit and would not hesitate to return or recommend to friends and family.

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5.0

Customer Service

By 

from Wallingford, CT

Verified Buyer

Comments about HFCU Credit Report and Score:

The Customer Service representative was outstanding. I was having a problem printing my 1098 and 1099 forms. She printed both and mailed to me.

 
5.0

Great service!!

By 

from Massacusetts

Verified Buyer

Comments about HFCU Credit Report and Score:

I have been a member of HFCU for almost twenty-five years and find the service to be excellent. It's great to be able to do all your banking from home. Member services are courteous, patient, and knowledgeable. I really like the on- line bill payment.

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