Credit & Loans

At Prosper Point we offer more than just credit card and loan opportunity referrals. We offer exclusive tips and suggestions for enrolling in high interest online savings accounts, credit-building programs and secured credit cards and lines of credit. We offer banking and trading products designed to help simplify your financial life.

We have information on special bank loan and mortgage opportunities and chances to join credit unions and lending clubs. We offer referrals to tax professionals, mortgage brokers and offshore banking professionals. Speak with a Prosper Point representative about your credit needs to find out what unpublished programs and benefits may be available to you. 1-866-242-6226

Financial Services:

  • Banking/Trading†
  • Credit Cards*
  • Credit Reporting and Repair
  • Investment†
  • Mortgage Loans*
  • Personal Loans*
  • Real Estate Services†
  • Tax Services†
  • Legal Services†

*Individual credit opportunities are based on the applicant's creditworthiness, among other things. Results may vary and are based on several factors including the consumer's unique financial situation, amount and type of debt and the ability to successfully complete all terms. Please read and understand all terms before enrolling in a program or completing an application for credit.
† All financial service products are offered by Prosper Point as referrals to 3rd party providers. Contact a Prosper Point Representative for additional information. All applications are subject to program availability & eligibility.
AnnualCreditReport.com

AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion. The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) to provide a mechanism for American consumers to receive a free annual credit report.

AnnualCreditReport.com is the only federally mandated and authorized source for obtaining a free credit report. Each of the three credit reporting agencies must provide, upon request, a free credit report every twelve months to every consumer.

One of the provisions of FACTA, passed in 2003 as an amendment to the Fair Credit Reporting Act (FCRA), was a requirement that each of the three credit reporting agencies provide, upon request, a free credit report every twelve months to every consumer. The goal was to allow consumers a way to ensure their credit information is correct and to guard against identity theft. Accordingly, the three major credit reporting agencies created a joint venture company and website AnnualCreditReport.com, to process consumer requests.

AnnualCreditReport.com is the only federally mandated and authorized source for obtaining a free credit report. The Federal Trade Commission cautions consumers to be aware of "imposter" websites that have similar names or are deliberate misspellings of the real name.

Using AnnualCreditReport.com does not lower the consumer's credit score, as it counts as a "soft" credit pull. "Hard" credit pulls made by lenders can directly affect a borrower's credit score. Credit scores are not included in the free credit reports obtained from AnnualCreditReport.com. For a fee, each of the credit bureaus offer credit scores as an add-on feature of the report. Ask a Prosper Point representative for more information about credit reports and credit scores.

1-866-242-6226