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

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?

Capital One Spark Miles for Business Review

The Capital One® Venture Rewards Card has been a popular credit card ever since it hit the market years ago with its "100,000 Match Your Miles promotion". While that amazing promo offer didn't last as long as we all would have liked, the card itself continues to be a favorite among travel rewards junkies searching for ways to rack up serious miles.

Will Paying A Collection in Full Improve Credit Scores?

Will paying a collection account off in full improve one's credit scores?

I feel like I've answered this question hundreds of times over the past 8 years as I've moderated our Credit Talk Forum. But when I was asked the same question last week by a close friend, it once again reminded me just how confused the average consumer remains regarding collections and how they affect credit scores.

Ask Creditnet: Will Paying a Cell Phone Bill Improve Credit Scores?

Dear Creditnet: I just got a new cell phone and the salesperson mentioned that paying my bill on time each month will help improve my credit. Is this true? If so, will the new cell phone bill have the same type of positive effect on my credit scores as my student credit cards and student loans? - Sandra L. from CA

Ask Creditnet: Help! My Corporate Credit Card is in Collections

Dear Creditnet: I'm currently receiving collection notices from American Express for an unpaid balance on an old corporate credit card. I left the company where I had this card in late 2011. I have combed through all my Amex bills, corporate expense reports and reimbursements, but I've been unable to find any unpaid charges on the card. In addition, because the card was in my name and I incurred all the charges, my former employer takes no responsibility for the unpaid balance even though the charges were made solely for work purposes. Will this affect my personal credit? What should I do now?

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