It's oky to format many times
Its okey to format your phone many time. But it will erase all the content that your have in your phone(contact, message, and installed software.program that are not included when you bought it).
I suggest to use nokia ovi suite I think but not sure to back up your data in your phone before formatting it and restoring it after you've formatted it. Please make sure you remove the memory card when formatting your phone.
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