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.
How does a late payment affect your credit? The later the payment is, the more your score could fall. For example, if you make your payment 60 days past the due date, it may have a more severe effect on your credit than if your payment were only a couple of days late.