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.
Bankruptcy and Credit. Bankruptcy can have a sometimes severe impact on your credit score depending on how high it was when you filed for bankruptcy. Though the drop in score varies, it's not unusual for credit scores to decline by 100 to 200 points due to bankruptcy.