--- title: How to Access Your Credit Reports and Scores description: The credit bureaus offer a number of ways to access your credit score and report. Here's how you can get yours. image: https://go.hfcu.org/hubfs/How%20to%20Access%20Your%20Credit%20Reports%20and%20Scores.png --- [![MoneyWisdom_HFCU_r2](https://go.hfcu.org/hs-fs/hubfs/MoneyWisdom_HFCU_r2.png?width=464&name=MoneyWisdom_HFCU_r2.png "MoneyWisdom_HFCU_r2")](https://go.hfcu.org/blog) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - 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[Divorce (5)](https://go.hfcu.org/blog/topic/divorce) - [Travel (5)](https://go.hfcu.org/blog/topic/travel) - [ATM (4)](https://go.hfcu.org/blog/topic/atm) - [Baby (4)](https://go.hfcu.org/blog/topic/baby) - [Debit Cards (3)](https://go.hfcu.org/blog/topic/debit-cards) - [Motorcycles (3)](https://go.hfcu.org/blog/topic/motorcycles) - [Weddings (3)](https://go.hfcu.org/blog/topic/weddings) - [Boats (2)](https://go.hfcu.org/blog/topic/boats) - [Charity (2)](https://go.hfcu.org/blog/topic/charity) - [Family Finance (2)](https://go.hfcu.org/blog/topic/family-finance) - [Lending (2)](https://go.hfcu.org/blog/topic/lending) - [Credit Unions (1)](https://go.hfcu.org/blog/topic/credit-unions) - [Green (1)](https://go.hfcu.org/blog/topic/green) - [Medical (1)](https://go.hfcu.org/blog/topic/medical) - [Pets (1)](https://go.hfcu.org/blog/topic/pets) - [dormant account (1)](https://go.hfcu.org/blog/topic/dormant-account) - [inactive account (1)](https://go.hfcu.org/blog/topic/inactive-account) # How to Access Your Credit Reports and Scores ** [Hanscom Federal Credit Union](https://go.hfcu.org/blog/author/hanscom-federal-credit-union) ** Aug 26, 2022 ![A young businesswoman uses a tablet outside of an office building in a city. ](https://go.hfcu.org/hubfs/How%20to%20Access%20Your%20Credit%20Reports%20and%20Scores.png) Knowing how to get your credit reports and credit scores can be very confusing. There are many different options out there. First and foremost, there are a few key things to remember: - You can get the free, annual credit reports you are entitled to by federal law at either http://www.annualcreditreport.com or by calling 1-877-322-8228. - If you have exhausted your free credit reports, you can get reports directly from the websites of the credit bureaus – Equifax, Experian, and TransUnion – for a small fee. - Overwhelmingly, the most common credit scores used by lenders are from FICO or VantageScore. You can access your FICO score for a fee at [http://www.myfico.com](http://www.myfico.com). And, of course, as a Hanscom Federal Credit Union member, you can meet with our representatives at no charge to review your credit report and discuss strategies to help you raise your score. So what are these other credit scores you read about at the credit bureau websites? The credit bureaus have developed their own proprietary scoring models in an attempt to compete with FICO. You have the option of purchasing these at their respective websites. The list is: - Equifax – “Equifax Credit Score” and a "VantageScore" from each of the three bureaus available for purchase - Experian – “VantageScore” from each of the three bureaus available for purchase - TransUnion – “VantageScore” from each of the three bureaus available for purchase A couple key things to keep in mind in regard to scores: - The Equifax and VantageScore models are used by financial institutions much less frequently to make lending decisions than the FICO score.  - Equifax is the only credit bureau that gives you the option of buying a FICO score. However, you can only buy your Equifax FICO score.  *To understand your credit score and report in more detail, contact a Hanscom Federal Credit Union representative. As a member of Hanscom FCU, you can review your credit report at no charge. * *[![Get a free Credit Score Review](https://no-cache.hubspot.com/cta/default/118438/b13728df-1cb3-4aea-a79e-dfdfc42dfb2a.png)](https://cta-redirect.hubspot.com/cta/redirect/118438/b13728df-1cb3-4aea-a79e-dfdfc42dfb2a) * *Others are reading: * - [The Top 3 Questions We Get About Credit Reports And Scores](https://go.hfcu.org/blog/the-top-3-questions-with-answers-we-get-on-credit-scores) - [The Top 2 Factors That Make Up 65% Of Your FICO Score](https://go.hfcu.org/blog/credit-score-factors) - [How Does My Credit Score Affect My Mortgage Application?](https://go.hfcu.org/blog/bid/149497/how-does-my-credit-score-affect-my-mortgage-application) - [The Only Way To Remove Accurate Negative Items On Your Credit Report](https://go.hfcu.org/blog/the-only-way-to-remove-accurate-negative-items-on-your-credit-report) - [3 Tips To Boost Your Credit Score Quickly](https://go.hfcu.org/blog/3-tricks-to-boost-your-credit-score)   ** [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards), [Credit Score](https://go.hfcu.org/blog/topic/credit-score) [** What is Inflation and How to Deal With It ](https://go.hfcu.org/blog/inflation-101) [** 5 Ways to Save Money as a Wedding Guest ](https://go.hfcu.org/blog/5-ways-to-save-money-as-a-wedding-guest) ### About Author ![Hanscom Federal Credit Union](https://go.hfcu.org/hubfs/HFCU-Profile-1000x1000.jpg) Hanscom Federal Credit Union Hanscom Federal Credit Union, a purpose-driven $1.9 billion organization based in Littleton, MA, empowers its members to achieve financial wellness. Hanscom FCU serves over 95,000 members across the country and overseas through 16 branches, over 100,000 surcharge-free ATMs, 5,000 contact centers, and a web-based branch. Related Posts [![The Benefits of Setting Up Direct Deposits](https://go.hfcu.org/hubfs/young%20woman%20paying%20bills%20on%20couch-1.png) The Benefits of Setting Up Direct Deposits ](https://go.hfcu.org/blog/the-benefits-of-setting-up-direct-deposits) [![Traveling this summer? 9 credit card tips to know](https://go.hfcu.org/hubfs/two%20women%20at%20cafe%20on%20vacation.png) Traveling this summer? 9 credit card tips to know ](https://go.hfcu.org/blog/traveling-this-summer-9-credit-card-tips-to-know) [![What You Need to Know About Buy Now, Pay Later Financing](https://go.hfcu.org/hubfs/buy%20now%20pay%20later%20in%20store.png) What You Need to Know About Buy Now, Pay Later Financing ](https://go.hfcu.org/blog/what-you-need-to-know-about-buy-now-pay-later-financing) ** - [**](http://www.facebook.com/share.php?u=https://go.hfcu.org/blog/how-to-access-your-credit-reports-and-scores/) - [**](https://X.com/share?url=https://go.hfcu.org/blog/how-to-access-your-credit-reports-and-scores/) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://go.hfcu.org/blog/how-to-access-your-credit-reports-and-scores/&summary=&source=CeBIT) ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** The website you are about to visit is solely the responsibility of the merchant or other party providing the site. 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The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Comment ### Subscribe To Blog ### Subscribe to Email Updates ### contact **Hanscom Federal Credit Union** 1610 Eglin St. Hanscom AFB, MA 01731 Call us: [800-656-4328](tel:8006564328) [https://www.hfcu.org/](https://www.hfcu.org/) ### About Us [The MoneyWisdom Blog](https://www.hfcu.org/the-moneywisdom-blog.html) ### Social ** ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.facebook.com/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://X.com/HanscomFCU The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.instagram.com/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.linkedin.com/company/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### http://www.youtube.com/c/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Popular Posts [What You Need to Know About Putting Your Home in a Trust](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202022-02-10T072804.753.jpg) [What You Need to Know About Your Federal Tax Bracket](https://go.hfcu.org/blog/what-you-need-to-know-about-your-tax-bracket) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-03-22T123305.900.jpg) [6 Boat Types to Get on the Water](https://go.hfcu.org/blog/6-boat-types-to-get-on-the-water) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/Jet_Ski.jpg) [23 Organizations Dedicated to the Needs of Seniors](https://go.hfcu.org/blog/23-organizations-dedicated-to-the-needs-of-seniors) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Senior%20citizens.jpg) [9 Smart Moves for Lottery Winners](https://go.hfcu.org/blog/lottery) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/lottery_winner.jpg) ### Recent Posts - [![National Credit Union Administration](https://go.hfcu.org/hs-fs/hubfs/NCUA-logo-small.png?width=95&name=NCUA-logo-small.png) ](https://www.ncua.gov/) [![Equal Housing Lender](https://go.hfcu.org/hs-fs/hubfs/EHL-logo-small.png?width=65&name=EHL-logo-small.png)](https://www.hud.gov/fairhousing) - @ 2023 [Hanscom Federal Credit Union](https://www.hfcu.org/) - Federally insured by the National Credit Union Administration. - [Privacy Policy](https://www.hfcu.org/content/docs/Privacy_Notice.pdf) **Disclosure:** Hanscom Federal Credit Union does not provide and is not responsible for any products, services, or overall website content available at any third-party sites linked within this blog. Moreover, Hanscom Federal Credit Union's privacy policies do not apply to any of the linked websites within this blog. Please consult the privacy disclosures on those linked sites for further information. ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Hanscom Federal Credit Union" }, "dateModified" : "August 26, 2022, 12:15:00 PM", "datePublished" : "2022-08-26 12:15:00", "description" : "The credit bureaus offer a number of ways to access your credit score and report. Here's how you can get yours. 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