<prompt> Human: My wife and I are thinking of paying the remainder amount that we owe on both of our phones and switching to a cheaper service, like Cricket Wireless. We dont have a service contract, and an ATT rep said all we had to do was pay for our phones and we can bail out at any time.So if we paid our phones off completely and then switched to Cricket, would this lower our credit score? And would having service with Cricket affect our scores at all?  <response>: No, this will not change your score. You will be just fine. 