Credit Basics
What is a Credit Score?
A credit score is the result of a mathematical equation that evaluates many types of information that are on your credit report. Potential lenders will usually review your credit report and credit score, along with other factors, such as your ability and likelihood to repay debt.
Credit scores are often called "FICO scores" because most credit scores are produced from software based on a model developed by Fair Isaac and Company ("FICO"). For more information about FICO scores, go to www.annualcreditreport.com.
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General Questions
For general inquiries or questions regarding an in-process loan, please contact our Customer Service Department at 1-877-889-2878
For questions regarding your loan payment or servicing of an existing loan, contact our Servicing Department at
1-800-567-9634
If you need assistance locating a Prospect employee, please call our Operator at 1-800-464-2484
