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.
Negative Traits: Having only one type of credit account (all revolving/credit cards, for example), having a finance company account, or not having a mortgage loan account can all negatively affect your credit score in this category.very time you apply for credit an inquiry will post to your credit report showing that youâre actively searching for credit. Excessively shopping for credit and too many inquiries in a short period of time can hurt your score. Negative Traits: Applying and opening too many accounts in a short period of time.