Dial your TracFone phone number from any landline or cellular device. Press   when your voicemail picks up. For your mailbox number, enter your cell phone number with all 10 digits included. Press   again.
1 Auto Loans. 2  As with credit cards, if you have bad credit, you'll have trouble qualifying for an auto loan, if you qualify at all. 3  The worse your credit, the higher your interest rates and, most likely, the higher the down payment required to secure the loan.
1 Never having a credit card â You wouldnât think this would negatively affect your score, but having a credit card (and paying it off on time) is one of the fastest ways to build credit. 2  Therefore, conversely, not having a credit card means that you havenât probably done much to build your credit. Any late payment can negatively affect your credit score because theyâre all reported, and it shows that you are unreliable, forgetful, or living paycheck to paycheck. 2  All of that spells âbad investment, run awayâ to credit companies and other lenders. 3  Itâs not fair, but themâs the breaks. 4  Have no fear, though.