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.
Whether itâs a late car payment, credit card payment, or mortgage payment, a recent late payment can cause as much as a 90-110 point drop on your FICO score. As time goes on, the late payment will affect your credit score less and less until it drops off. However, potential creditors can still see that history as long as itâs listed on your report. Late payments appear on your credit report as either being 30, 60, 90, or 120-plus days late. Each of these degrees of delinquency affects your credit score differently. The later you are, the more damage it does to your credit score.