Unbelievable. I just got a call from a collection agency I've been having a long-running dispute with. I've been double-billed for the same charge and despite presenting them with what I consider written proof that the amount was paid in full, they have rejected my dispute and have informed me that unless I pay in full before noon tomorrow (gee, that's 16 whole hours, thanks guys!), they will file a report and my credit rating will suffer. I'm trying to put my anger aside and look at this realistically: in the next month or two I plan on opening an account with a futures broker and start seriously day trading--at least 24 hours a week (mostly the e-mini.) I'm pretty confident about my skills and the tools at my disposal--eventually, this could even become my full-time job. The amount of money they say I owe is not a trivial amount (for me, anyway), but it wouldn't completely screw me. I would just have to wait another month or so. On the other hand, I really want to just give them the finger and take them to court. My credit rating would likely be ruined at least for the next year or two, but I'd have my money, and I'd have my satisfaction. It all comes down to this: would my credit rating have a significant impact on the margin my broker offers me? Yeah, it's technically a loan, but they have margin calls and automatic liquidations to protect themselves from losses... right? Does my credit rating really have anything to do with the amount of leverage I'll see? extra incentive: I recently purchased multi-year one minute and tick data from http://www.anfutures.com on ES, NQ, ER, ME, EC, and JY. If you guys can give me some helpful info in the next 14 hours, I'll email or PM the links (which should remain active until Saturday) so you can download the data. There is no copyright or EULA I can discern, so this should be legal.