On most phones, there is no way to retrieve a deleted message. Once you delete a text message, it's gone permanently. However, some Windows Phones have recycle bins, if you ha â¦ ve a Windows Phone, try looking in the Recycle Bin. + 1 other found this useful.
This will have a tremendous impact on your score. The amounts that you owe will also play an important factor in the determination of your FICO score and should be considered. Canceling credit cards will not adversely affect your score much.It will impact your credit score but the potential result is negligible, and therefore it is not worth paying annual fees or dues simply to maintain an open line of credit. Maintaining a card that has no activity is essentially pointless.his will have a tremendous impact on your score. The amounts that you owe will also play an important factor in the determination of your FICO score and should be considered. Canceling credit cards will not adversely affect your score much.
How 30, 60, 90 and 120 Day Late Payments Affect Credit Scores. Looking at this chart again, we can see that a 30 day late payment will drop a 900 point credit score by as much as 90 points and a 60 day late payment can cause a 105 point drop.omeone with a good credit score who misses a credit card payment by 30 days might see a 70 to 90 point drop. If the payment reaches the 60 days late mark, their score might drop by 85 to 105 points. Missed loan payments cause more damage to credit scores, and accounts turned over to collections hurt the worst of all.