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 long Does Foreclosure Affect Credit. A foreclosure is one of the most traumatic events that can take place in your credit history. So How long Does Foreclosure Affect Credit? Depending on what your credit was like before the foreclosure took place, this event can reduce your score by anywhere from 225 to 300 points. It also remains on your credit report for seven years.