Opt out of overdraft charges with every checking account
Join a credit union to get one of their cheaper rate VISA or Mastercard
NEVER pay for a service to follow your credit
Pay a bank to run your tri-merged report to prepare to refinance or buy
Work on improving your FICO score by reallocating debts to less than 69% of line
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Refinance with little cost while the rates are down
Cut US stock market exposure and sell some
Trade/ bargain/ stop buying