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.
The effects of a drastically lower credit score include: 1  Difficulty obtaining a home loan at an attractive interest rate. 2  Inability to open up new lines of credit. 3  Missing out on low-interest credit card offers.  Being turned down for even a basic personal loan or auto loan from a bank or other financial institution.