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

Barclaycard Arrival Plus™ World Elite MasterCard® Increases Bonus to 50,000 Points

Barclaycard is clearly making a real push to drive new cardholders to its  Barclaycard Arrival Plus™ World Elite MasterCard® instead of the no-annual fee version of the card.  The main change I wanted to quickly write about today is that new cardholders can now earn 50,000 points, worth $500 in travel credit, after spending $3,000 during the first 90 days.

Barclaycard Arrival MasterCard Review: To Pay - Or Not To Pay - The Annual Fee

The myth regarding annual fees attached to credit cards is that they're ALL BAD. This is simply that - a myth - and frankly some annual fees are easily wiped out by the cash back and rewards benefits afforded by a particular card.

The NASCAR Visa Credit Card Review

Are you a NASCAR superfan? If not, you can stop reading this review right now. There are most likely better rewards credit cards out there to meet your personal financial needs.

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.

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