Thank you for your replies. I downloaded the OS software from TMo and installed it. However I don't know where the installed program went. I checked on the phone and it has the newest version software. But it still won't let me add any apps.
Is it a computer thing (my laptop?) or the phone? I was thinking about taking it up to TMobile and have them mess with it.
By the way I wiped the phone. Seems to be back to original.