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.
Getting a new credit card -- on purpose or inadvertently -- affects your credit score three ways. You're likely to see a change in your score based on a new credit inquiry, an increased number of open accounts, and the change to your available credit utilization ratio. Here's how each affects your score: 1  New credit inquiry.