So you can upgrade to Update 1 RTM today and then get the firmware and carrier updates for Windows Phone 8.1 GA whenever your carrier OKs those releases. Again, the firmware and carrier updates are separate from the core OS updates.
normally pending charges will drop off your account within 3 days.... 0. 0. The pending charge time period depends on the merchant. Normally pending charges will drop off your account within 3 days. If the hotel is a national chain you can contact them about releasing the hold, but they will have to give you something on letterhead, then your bank may be able to have the hold removed.
Collection accounts (including medical bills that go to collection) can only be reported for 7 years and 180 days from the date you fell behind on the original bill. After that time they must not be reported. As long as the collection agency has accurately reported the date, this will happen automatically. The only way they can affect your credit longer than that is if they sue you and get a judgment against you.