Save. The TracFone is a prepaid phone that allows users to decide what kind of plan they want. Those who use TracFones can buy phone cards and add minutes for calls based on their needs. If you receive an SMS on your TracFone and want to reread it, you can retrieve it by just clicking a couple of times on your phone.
How a default affects your credit score. Once a late payment goes past 120 days it is considered to be in default. A default not only causes a further drop in your credit score, but it also signals the creditor that itâs time to send your account to a collections agency.
How Much Does a Credit Score Improve After Bankruptcy Falls Off a Credit Report? It's no secret that creditors frown upon consumers who declare bankruptcy. While the exact amount of damage will vary from person to person, few people escape the bankruptcy process without enduring a serious hit to their credit score. In the three to five years following their post-bankruptcy debt discharge, most consumers are unable to secure even the most basic forms of credit.