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.






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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: 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

Worth every minute

5

Great experience. Much quicker and easier than ever before. Always pleasant, knowledgeable and helpful. Thank you!

Boston, MA

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Prompt and professional!

5

I'm very happy to with the service I got at HFCU, O'Neil branch. Excellent service. Thank you Nina!

Boston, MA

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Good

5

Angela Westroxbury Branch I been dealing with them for 10 years now and the have been good to me when I need them....

Boston

true

Great service

5

Great service

Groton

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Hanscom FCU, the BEST !!!!!!!!!!!!!!!!!

5

Hanscom Federal Credit Union (HFCU) shows you that they are on YOUR side, they are WITH you.

Milton, Massachusetts

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Top Notch Mbr Svs/ Customer Svs..........Alwys

5

I feel like I'm getting the personal touch experience. Mbrship has been exceptional thru the years, I can't complain about their offering of personal commitment to you as a credit union member while doing any type of business with them. Thank you for all your support and services!

Sacramento CA

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Customer service is great thank you

5

Just love my credit union thank you

Boston

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Good reward program

4

Love Hanscom. Getting direct deposits on Wednesdays it's a really convenious. Annual loan for members before xmass is great. Will give a 5 stars if locations were opened till later hours and had more than once person to help. Phone never gets answered and location customer service not as good.

Boston, MA

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Great service

5

Great service

Massachusetts

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Great bank

5

Great bank. Easy experience

Concord MA

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Credit Report and Score

4.8 330

96.6