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 Credit Card Debt Affects Your Credit Score. Exceeding your credit-to-debt ratio can cause your credit score to go down. But the even greater damage to your credit score can come from failing to make your payments on time every month.