Never mind Nirvana
Aummm.... Let the healing aura of rate quotes wash over your senses. Feel the credit cycle, as immutable and recurring as the waves of the ocean, caress your body. Your mind is maya, and the illusion can only be transcended by the contemplation of mortgage ads.
Your credit score and your karma are entwined as copulating serpents. To free yourself from both, you will need to refinance your home with LMB and follow a life of ascetic severity. One follows the other, and it is your destiny to find out which comes first.