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.
A hard credit check is one that can negatively impact your credit score. These occur when you give a lender permission to check your credit history with the intent to open up a new line of credit. Each hard credit check can cause your score to drop by roughly 5 points and can affect your score for 6 months to a year. The hard credit pull is visible to anyone and will remain on your credit report for up to two years.