Membership Matters
From money-saving tips to cyber security, our blog covers a wide range of topics to help improve your financial well-being.
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Halloween Safety Tips: Trick-or-Treating and Online Safety
October 09, 2026 | Featured Membership Matters
Kids stay safest when they trick-or-treat with a trusted adult or group, use crosswalks, and carry a light or wear reflective gear. Adults can avoid Halloween scams by pausing before clicking links and never sharing passwords, PINs, or card numbers.
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What to Know About Medical Debt on Your Credit Report
September 27, 2026 | Membership Matters
The CFPB's 2025 rule banning medical debt from credit reports was struck down in court, so no federal law removes it. Credit bureaus still voluntarily exclude paid medical debt, balances under $500, and debt less than 12 months old.
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Should You Use a Personal Loan to Consolidate Debt?
September 24, 2026 | Membership Matters
A personal loan can be a smart way to consolidate debt if it lowers your total cost, including fees, and you stop adding new charges to the cards you pay off.
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How to Protect and Rebuild Credit After Divorce
September 14, 2026 | Membership Matters
What happens to joint accounts in a divorce? Both spouses remain responsible until the account is closed, paid off, or refinanced. Learn how to protect your credit.
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The Psychology of Scams
July 23, 2026 | Membership Matters
How do scammers exploit psychology to trick victims? Scammers manipulate cognitive biases and emotions to bypass rational thinking and gain trust.
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Boomerang Kids: How to Help Them
July 23, 2026 | Membership Matters
What are "boomerang kids"? Adult children who return to live with their parents after a period of independence.
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Home Threatened with Foreclosure - Now What?
July 23, 2026 | Membership Matters
What should you do if you're behind on your mortgage? Act quickly, contact your lender, and seek help.
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What Is a Certificate of Deposit? A Plain-English Guide
July 22, 2026 | Membership Matters
What is a Certificate of Deposit? A certificate of deposit is a savings account with a deadline. Learn how certificates work.
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Dealing with Inflation
June 26, 2026 | Membership Matters
What is inflation? | How does inflation affect your money? | Inflation explained: Inflation is when prices rise over time, making your money buy less.
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Credit Repair Scams
June 26, 2026 | Membership Matters
What’s the difference between credit counseling and credit repair? | Credit counseling vs. credit repair companies | How to choose between credit counseling and credit repair services
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What should I do if I’m sued for debt?
June 26, 2026 | Membership Matters
Steps to take when facing a debt lawsuit. Why you should take a debt lawsuit seriously, even if you don’t recognize the debt or can’t afford to pay it immediately.