Answer: No it shouldn't
Explanation:
"Unless "city" is part of the name (i.e. "Carson City" or "New York City"), it's not capitalized after the city's name. Even used before (as in "City of"), the capitalization only happens if the title of the city in question actually has that name ("City of London", "City of New York")."
Answer:
Yes Of Course, just go to your setting and u will see Profile then strike it and change your name
A person should pay there credit on time to build a positive credit score, if they make a late payment it will negatively effect your score and can be a penalty