EARLY CLOSING - Thursday, December 9th

Due to a staff event, we will close at 3:30 pm on Thursday, December 9th.

Free Credit Report & Score Review

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 your ability to get a loan and how much you’ll pay for that privilege. The good news is that your credit score isn’t set in stone, so it’s possible to increase your score and reap the rewards from doing so.

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. 

How can I request my free credit report review and enhancement?

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.

Note that Hanscom FCU's Credit Score and Report Review requires a hard pull on your credit, which will temporarily reduce your credit score.

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How can I increase my credit score results?

During your score review, our credit experts will suggest specific actions you can take to improve your score over time. Generally, people with high scores consistently pay their bills on time, keep balances low on credit cards and other revolving credit products, and apply for and open new credit accounts only as needed.

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. If your ability to handle credit has improved, your credit score may improve as well, which could lower your loan rate.

Can I get a credit report on my own for free?

Yes, you can. The Fair and Accurate Credit Reporting (FACT) Act requires credit bureaus to furnish consumers with a free copy of their own credit report from each of the three major credit bureaus (Equifax, TransUnion, and Experian) annually upon request. Please note, however, that 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