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.

We care about your privacy. Please do not include your member number, SSN, or any other private information in your e-mail.
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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:

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.


Great services


I brought a client to open an account, I ended up opening one myself

Lowell Ma







Amazing company. I had a little Debt in credit cards..Hanscom really helped me consolidate all my cards and pay them off with a very low interest.. within a month my credit score had gone from 620 to 750. Iļø am delighted.


Everything a credit union should be


I switched to Hanscom when I moved to Boston because I wanted a more personal bank, and that's what they are! Friendly, efficient, and with great perks like free checks and atm withdrawals. Recommended.

Boston, MA



friendly workers


very helpful


Your representative was very helpful and efficient.

New York City

positive experiences


I was a Touchstone customer for years and was nervous about dealing with new credit union. I couldn't be happier with my experiences. I love the ease of online services


Great service


Extremely efficient in processing Mass Save Heat Loan applications.

Sudbury, MA

A Long Time Satisfied Member


I have been with HFCU for over 20 years and even before at MFCU. Once I retired about 18 years ago and moved to Florida, I still kept my accounts with HFCU, have made a few loans with them and have had nothing but excellent and courteous service.

Venice, Florida




Lawrence mass

Credit Report and Score

4.9 178