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.
Civil judgments also have to be dropped after seven years unless your state has a longer statute of limitations; in that case, the judgment can be reported until the statute expires. California's statute of limitations for judgments is 10 years. If none of those negative marks shows on your reports and you've handled credit responsibly since then, your credit scores (you have more than one) may well be excellent.