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factory reset doesnt diddly sqat to your wireless carrier account and phone number!!!!!!!!!!!!!!!!!!!!!!!!!!! internal memory (and SD card if option is chosen) is affected..... factory resets wipe all data off the phone and restores it to pre-box conditions.... like on day 1 minute 1 second when you first got then phone in your little hands.... SD card is safe---not unless you chose the "format sd card too" option during factory reset. the only things that affect your account and phone number is not paying your bill, getting disconnected, getting terminated, canceling service, physically dying, or leaving the country.....