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.
Let me shed some light on your questions pertaining to late payments, actually late payments are only held against you for 3 years. They will not fall off, but no longer will they be held against your score. Now, for collections/chargeoffs that is a different story. They do stay on your credit for 7 years.