Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn shares his unique insights about credit cards, credit scores, and all aspects of personal finance on Creditnet's blog, Credit¢ents. Joshua received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.  He is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past ten years.

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Recent Blogs

Ask Creditnet: Can I Rebuild Credit with Prepaid Debit Cards?

Dear Creditnet: I need to start rebuilding my credit so I can purchase a home, but I can't seem to get approved for a credit card. I've applied for 3 different cards this year and I've been denied every time. I feel like giving up. Should I just get a prepaid debit card since they don't do credit checks? There's no way I can get denied, right?

FICO Score 9: Paid vs Unpaid Collections

90 percent of lenders still use FICO scores in some way when assessing your risk as a borrower. So if you have any interest in ever getting approved for a high limit credit card, auto loan, or a mortgage, it's a wise financial move to know where your FICO scores stand and what you can do to improve them.

Ask Creditnet: How Many Credit Cards Should I Have?

Colorful credit cards Dear Creditnet: What is a good number of credit cards to have in order to optimize my FICO credit scores? Is it possible to have too few or too many credit cards? - Jenny from UT

Ask Creditnet: This Credit Card Isn't Mine - What Should I Do?

Dear Creditnet: I just pulled my credit report and found out I have a credit card for $1,000, but I never applied for this card. What should I do?

Debit vs Credit: A Cage Match

Upon entering the ring, the debit card and the credit card look pretty evenly matched. They are the same size and the same shape. Their functions are also similar: electronically transferring money from one owner to another. But when pitted against each other in a head-to-head match, who will come out on top?

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