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.
Making a late payment on your credit card, mortgage or loan can hurt your credit score and affect your overall credit health. Whether you are just three days late or 30 days late, not paying your bills on time could affect you for months and potentially years to come. Check your credit with Credit Karma It's free! Effects of late payments