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.
Late payments can impact your score, too. While making payments on time can help build good credit, it works in reverse, too. Just one late payment can negatively affect your credit score and your ability to get a loan in the future. If you think youâre going to be late or need an extension, your best bet is to call your lender and explain whatâs going on.