Blog - Ashland Community Federal Credit Union

Helpful Articles

Debt Consolidation vs Credit Counseling or Debt Settlement

Debt Consolidation vs Credit Counseling or Debt Settlement

March 28, 2024 Bobbie Chokenea
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.
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A Debt Problem or A Debt Solution

A Debt Problem or A Debt Solution

February 29, 2024 Bobbie Chokenea
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.
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Unlocking Financial Freedom from High Interest Debt

Unlocking Financial Freedom from High Interest Debt

January 29, 2024 Bobbie Chokenea
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.
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Dig out of that hole with a debt consolidation loan

Dig out of that hole with a debt consolidation loan

November 21, 2023 Bobbie Chokenea
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.
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Battling Higher Expenses, with a Low Credit Score

Battling Higher Expenses, with a Low Credit Score

October 26, 2023 Bobbie Chokenea
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.
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The Never-Ending Spiral of a Poor Credit Score

The Never-Ending Spiral of a Poor Credit Score

September 28, 2023 Bobbie Chokenea
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."
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Spruce Up your Financial Future

Spruce Up your Financial Future

September 1, 2023 Bobbie Chokenea
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
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Sign and Drive…and Pay Big Money!

Sign and Drive…and Pay Big Money!

July 28, 2023 Bobbie Chokenea
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
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Overlooked Ways to Raise Your Credit Score

Overlooked Ways to Raise Your Credit Score

June 29, 2023 Bobbie Chokenea
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.
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Your Credit Score Story

Your Credit Score Story

May 18, 2023 Bobbie Chokenea
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
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Overcoming the Uphill Climb

Overcoming the Uphill Climb

April 25, 2023 Bobbie Chokenea
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
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