Bobbie Chokenea - Ashland Community Federal Credit Union

Bobbie Chokenea

Bobbie's Blogs

And the Winner is...YOU!

It used to be that election cycles were once every four years. Now they never seem to start or end. It can affect you financially, and here's how to make the most of a trying time.
Read More

Saving Money at the Grocery Store

Here are five ways you can create your own sales at the supermarket, saving money on purpose every time you shop.
Read More

Navigating Inflation for the Lower to Middle Class

Inflation is a natural part of any economy. It is always there. This helpful article talks about how you can better navigate high prices and stretch your budget farther, even if you have a lower credit score.
Read More

Debt Consolidation vs Credit Counseling or Debt Settlement

The economy is roiling, jobs are becoming scarce, and inflation is high. All of these things can impact your ability to take care of your family and pay your bills on time. Sometimes, paying bills comes last. Debt Consolidation, Credit Counseling and Debt Settlement are options to consider.
Read More

A Debt Problem or A Debt Solution

It may seem counterintuitive that taking on debt can increase your credit score. In truth, it can be one of the best ways to do so. Alas, getting a loan with a low credit score is often difficult, depending on where you apply.
Read More

Unlocking Financial Freedom from High Interest Debt

Credit Cards make it very easy to buy things. Especially things you otherwise might not be able to otherwise afford. Debt Consolidation Loans can help you get out of debt.
Read More

Dig out of that hole with a debt consolidation loan

With rising inflation and stagnant wages, cash doesn’t seem to flow as far as it used to.  You may be finding yourself a little short each month. If you have multiple credit card and loan payments, it’s possible that a debt consolidation loan can help you out.
Read More

Battling Higher Expenses, with a Low Credit Score

Inflation, college loan repayment and higher interest rates are making everything more expensive. Thats hard on your budgeting process. If you have a low credit score, it may make it harder to generate cash flow to cover your monthly expenses, which makes your problem even worse. This article provides potential action steps you can take to solve this problem.
Read More

The Never-Ending Spiral of a Poor Credit Score

In this blog post, we explore the far-reaching consequences of rejecting loan applicants solely based on their credit scores. While it's a fact that low credit scores pose challenges in securing affordable credit, the real issue lies with those who indiscriminately decline loans based solely on this number. Discover how this practice can have detrimental effects, not just on individuals but on society as a whole, potentially setting off a negative chain reaction. Learn why it's essential to rethink our approach to credit decisions and consider the broader implications of a simple "no."
Read More

Spruce Up your Financial Future

So you got into a little jam and your credit score took a tumble. It happens. Here are five things you should try to remove negative items from your credit score
Read More

Sign and Drive…and Pay Big Money!

New cars are exciting! Even buying used cars is getting something new to you. But accepting dealer financing can be an expensive way to end your car buying experience
Read More

Overlooked Ways to Raise Your Credit Score

Things happen. Bad things happen to good people all of the time. Health care expenses, job loss, broken down cars and more can all lead to bills getting put on the back burner. Here's how to raise your damaged credit score back up.
Read More

Your Credit Score Story

We keep saying that you are not a credit score number. You are a real, live, human being. You have a past and a future, and you have a story that you are living right now. You have a story to tell, and people should not judge you solely on your credit score number
Read More

Overcoming the Uphill Climb

Numbers are a fact of life. We each have one. People can, and do, define you by your number. Whatever your number, here is what you need to know to make it work in your favor
Read More

Who Cares about Higher Interest Rates

Interest rates continue to climb. Whether that continues is anyones guess. Regardless, it makes sense to plan for the potential of higher interest rates hanging out for the foreseeable future.
Read More

Five Ways a Lower Interest Rate matters

Even a couple of points can make a bad deal better. No one wants to pay more than you should for anything. Yet, if your auto loan is even a couple of interest points higher than it should be, then you are leaving money on the table.
Read More

Low Credit Myths and Misconceptions


Read More

Your car loan interest rate matters

Remember buying your car? The assumption was that you got a great deal. But did you?
Read More

Credit Scores Don't Tell the Whole Story

A low credit score doesn't tell the whole story
Read More

Getting Out of Debt

In debt too deep is always a problem. The solution? Debt Consolidation
Read More

Buying Cars with a Poor Credit Score

If you have a low credit score, sometimes it feels like there are no options, lost in the middle of a lonely road with nowhere to turn.  The truth is, you have many options. It’s important that you know what they are, and make smart decisions. 
Read More

Predatory Lending is a trap, and you need to stay out of it.

If you have less than perfect credit (scratch that. Call it what it is). If you have bad credit, then you may think you have no choices.
Read More

The Good, The Bad and The Happy

Life is Hard. Sometimes bad things happen to good people. If your credit score is low, here are some tips on getting through the hard stuff!
Read More

« Back to Authors

1123 Sugarbush Drive
Ashland, Ohio 44805
(419) 289-6211

Copyright © 2024 Ashland Community Federal Credit Union. All rights reserved. Privacy Policy. Notices, Terms & Conditions.