I'm looking to switch to an Incredible and I probably would have by now if I didn't have to pay a massive deposit to Verizon. I have an iPhone right now and I'm good with paying my bill but the bill is under my dad's name. We've recently hit some rough spots and neither he nor my mom have good credit anymore so I'm going to have to pay a deposit that way. I found a friend that's willing to open a line up for me under their account but I've been thinking recently.... Is it worth it to open my own account paying a $400 deposit? Then, if I understand it correctly, I'll get that money back at the end of a year on the contract. Would you pay that much to get your hands on an Incredible? I need to improve my credit because I don't have any credit right now and I'm thinking this could be an opportunity... but at the same time, that's a shit ton of money. It'd be $400 for deposit, $200 for the phone, $35 for the activation fee plus $130 for the ETF from AT&T. What do you guys think? Is it worth it?