The Team at JFK ---a cut above!!!
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.
The Team at JFK ---a cut above!!!
Joanne is fabulous. Handled the transaction seamlessly and expeditiously, with very little effort from me. Knowledgeable, courteous and very professional.
Jane was an excellent loan officer! She kept me and my godchild informed and secured the car loan for my godchild for her to get her dream car of a Mercedes!
Was traveling with family but needed to get an auto loan completed while away. HFCU was fantastic in helping us complete the loan. Unbelievable customer service!
Would not go to anyone else than Bill at the Bedford branch. He's helped my wife and I for about 20 years and is now helping our kids and their families.
I loved working with Ashley! She was knowledge, helpful and kept me abreast of everything I needed to process my loan. So happy I made the switch from the big banks.
Just last week I stopped in at the branch at 202 Burlington Road, Bedford, MA to deposit a check. Joan was helping me with a simple transaction. We had discussion of how HFCU could help with money management. She was instrumental in me taking action. Her friendliness and ability to relate to me as the customer was exceptional. I had a great experience working with Joan.
have had a great experience with all employees at the Tip Oneil branch all of the customer service members are great nina,gert ,marie mado and all others. They have been very helpful in all of my banking needs.
These guys are my first and 99% of the time, my only stop for any loans. I would highly recommend "banking" with them!
Hanscom Federal Credit Union is the way to go! They were courteous, efficient & quick with my loan. I spoke to both folks at the call center that set me up & my local branch at the VABHS Jamaica Plain branch completed the deal. Thank you 🙏🏽 for your helpfulness! 😊
Dawn M. Tesorero