You're welcome. If you're worried about your cell phone monthly payments affecting your credit, make sure to ask the provider upfront if they report to the bureaus, and if they report both timely and delinquent payments, or just delinquent. Some people are looking for a company that reports all payment history, which would build their credit rating. Just remember though, that with enough delinquent payments, every provider will turn your account over to a collections agency -- and that will lower your credit score. Good luck!