John Scharff is the Digital Marketing Lead at People Driven Credit Union, where he helps create clear, practical financial content for members and the communities PDCU serves. He focuses on making financial topics easier to understand, from loans and savings accounts to digital banking, fraud prevention, and everyday money management.
How to Tell If Someone Is Using Your Identity
Identity theft does not always announce itself with one obvious warning. Sometimes the first sign is a small unfamiliar charge. Other times, you may discover an account you never opened, receive a debt collection notice for money you do not owe, or find out that someone filed a tax return using your information. Knowing the signs of identity theft can ...
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What to do if your identity is stolen
Discovering that someone may be using your identity can be unsettling. Maybe you notice a purchase you did not make, an unfamiliar account on your credit report, a bill from a company you have never used, or an alert about a new account opened in your name. Whatever brought the problem to your attention, acting quickly can help limit additional ...
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2026 Holiday Loan Special
Make holiday expenses easier with the 2026 Holiday Loan Special The holidays can bring plenty of extra expenses. Gifts, travel, family gatherings, decorations, food, and other seasonal costs can add up quickly. The 2026 PD Quick Cash Holiday Loan Special from People Driven Credit Union gives eligible members another way to manage those expenses without putting everything on a credit ...
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Government impersonation scams: How to spot a fake law enforcement call
A phone call appears to come from a government agency. The caller knows your name. They may even provide a badge number, case number, or other information that sounds official. Then comes the threat. You owe a fine. You missed jury duty. There is a warrant for your arrest. Your license is about to be suspended. Your identity has been ...
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How to Finance a Car Purchased From a Private Seller
Buying a car directly from its owner can help you find vehicles and prices that may not be available at a dealership. However, arranging payment, transferring the title and confirming ownership requires a little more coordination. A private party auto loan allows you to finance an eligible car, truck, SUV or van purchased from an individual. People Driven Credit Union ...
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Member exclusive: Save 30% on Trust & Will estate plans in October
Estate planning can help you make your wishes clear, protect the people you care about, and decide how your assets should be handled in the future. This October, People Driven Credit Union members can make getting started a little more affordable with an exclusive 30% Trust & Will discount. Save 30% on Trust & Will during October Through Love My ...
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The Complete Guide to RV Financing in Michigan
Buying an RV can give you more ways to travel, camp, and explore Michigan. It also introduces financial decisions that go well beyond choosing a floor plan. Before visiting a dealership or contacting a private seller, take time to understand how RV financing works. A clear budget, loan preapproval, and careful comparison can help you choose an RV that fits ...
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Best Time to Buy a Boat in Michigan
The best time to buy a boat in Michigan depends on what matters most to you: broad selection, possible negotiating opportunities, favorable inspection conditions, or the ability to get on the water right away. Spring brings more shoppers and fresh inventory, while late summer and fall may bring motivated sellers. Winter offers time to plan and visit boat shows, but ...
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Ultimate Guide to Boat Financing in Michigan
Financing a boat can help you spread the cost of a new or used boat across manageable monthly payments. Before you start visiting dealerships or scrolling through listings, it helps to understand the full buying process and how the boat will fit into your budget. This guide walks you through boat financing in Michigan, including budgeting, loan pre-approval, inspections, insurance, ...
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How to Finance a Snowmobile in Michigan
Buying a snowmobile can make a Michigan winter a lot more interesting, but before you start comparing engines, tracks, suspensions, and heated grips, it helps to know how you plan to pay for it. Snowmobile financing lets you spread the cost of a new or used sled over a set loan term instead of paying the entire purchase price upfront. ...
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