Directv doesn't give free stuff, They wouldn't take anything out of their pocket to please you. If Directv couldn't afford it based on your credit and account status they wouldn't give it! Also after I made 50 car payments on time every month my Credit score would reflect that, and more then likely I could get my next car with 0% intrest. Directv doesn't do crap for your credit or anything to better your situation in the long run. They only report bad credit ratings and put themselves into positions like this because of incompetent CSR's. And by the way my car loan company does let you choose to waive 5 payments without penalty , Whether you choose to is up to you!Also my rate doesn't go up every year either.