Once you achev perfect credit and every step of the way you should be taking advantage of ZPC.  Zero Point Conversion™ is a proprietary financial analysis process designed to identify opportunities to reduce, restructure, resolve, or strategically address debt obligations. The program focuses on evaluating financial liabilities, account performance, creditor relationships, hardship options, and consumer protection opportunities to help individuals improve cash flow and financial stability.  Remember your creditors are constantly monitoring your credit score so that they can increase your interest rates but they never decrease your rates automatically when your score improves.  They require you to submit a request.  This program handles that for you.