If i "erase All content and settings" on my iPhone, do I loose my contacts??

If I erase all my contents and settings will I loose my contacts? Verizon has screwed up my phone when bought and didn't set things up correctly. My iCloud will not verify and my mail says my password is incorrect. So I want to reset everything

If you aren't syncing your contacts with iCloud or other cloud service, and you didn't back the phone up to iCloud or iTunes, you will lose your contacts with Erase All Content and Settings.  However, no contacts will get loose.

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