All right, update. We finally talked to a kind and helpful Xbox live rep. As it turned out, my account had been hacked by someone, apparently a long time ago without my knowing. The Xbox Live rep was EXTREMELY helpful, and because of his time with us, I have my account back. This whole incident was nobodies fault but the faggot hacker that stole and changed my info. Luckily, he was unable to touch the credit card.
I would like to say thank you to the very few people that attempted to understand my situation. I would also like to say to the whole group of people that implied that i was fat, lazy, stupid for forgetting my password (which was not forgotten, but stolen), or that i was merely a dumb child clinging to my parents checkbook: I sincerely hope that if/when you have an issue, you do not encounter the large amount of ignorant, assinine, and downright foolish comments and viewpoints that were so rampant in this thread.
Finally, I dont think you are going to experience a DRAMATIC increase due to the use of an HDMI cable, unless you have a large HDTV. That said, if you dont require/want the extra memory the elite offers, then the Premium 360's have been upgraded to include an HDMI output.