Thanks for the answers.
Regarding the total credits for a user, I am trying to add that to another template outside of the vBCredits system called "Meet Our Staff". When I add:
... we get only the Checking Account, not the totals.
Also, I noticed the same problems existing in vBCredits in the user profile-->statistics page.
PS: Why does vbulletin.org not have BB code icons for easy BBcoding when writing or editing a post??