Question: My husband and I each have a cell phone, and are thinking of cancelling our landline phone service, which we almost never use. Is there any chance that cancelling our landline could make us look like a poor credit risk? We will be in the market to buy a home in the next year or so. Susan, Hollister, CA

Answer: Getting rid of your landline should not impact your credit score. Lots of people--including me--have dropped their landline phones and rely on their cell phones. There really can't be an issue with your credit report or your credit score if you've paid everything you owe. Go ahead and cancel.

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