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.
Dear Michael, It's a common misconception that paying off a car loan affects your credit score. In fact, it does not affect your credit score at all, no matter how early you pay it off. Your credit score is only affected, and then in a negative way, if you are late or miss car payments.When your loan is paid off, it just shows up as paid on your credit report.n fact, it does not affect your credit score at all, no matter how early you pay it off. Your credit score is only affected, and then in a negative way, if you are late or miss car payments. When your loan is paid off, it just shows up as paid on your credit report.