Okay, so when I was 18 I started with my first contract, with t-mobile been with them ever since, last Year I got the 4S on release day, however, since then I worked for a bank and they overpaid me, and I refused to give the money back as I was a dick, and they registered a default against me, now this weekend, I'm considering buying out my contract and getting an iPhone5, I have 11 months left on it, OR just buying the phone sim-free from apple. However, I don't wanna buy the phone and stay on a ****** tariff, and I'm scared to buy my contract out and go on a cheaper plan just in case my credit rating won't let me start a new contract. Anybody have any suggestions on this? Really don't know what to do! Thanks.