hoping someone can give me an accurate answer here. my wife and i are current att customers and have been for a several years. we still have 15 months left on our contract and neither of us currently have an iphone and we are not even close to a discounted price on an iphone thru att. what is the process if we buy an iphone off ebay? will we have to sign a new contract to switch one of our phones over to an iphone? and as i looked around for info on this online i saw that there is a credit check? is that just the typical att credit check, which i dont think would apply since we are already customers, or is this thru itunes? our credit scores are terrible right now from some med bills we had last year. i hate to buy a phone off ebay and then fine out we cant even activate it because our scores are too low. thanx for the info- just want to know for sure before we spend the money!