Joshua Heckathorn

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Joshua Heckathorn

Joshua Heckathorn was President of Creditnet, 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.  He received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.

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Recent Blogs

Ask Creditnet: Best 0% Interest Card with No Balance Transfer Fee?

Dear Creditnet: I recently incurred $5,000 in surprise dental expenses and had to charge it on a credit card I've used since 1982. I've never had another credit card in my life, but now I'm interested in exploring my options so I can transfer this balance to a new 0% interest card and pay it off. I would like the card to have no annual fee, no balance transfer fee, a long no-interest balance transfer promotion and great customer service from a reputable outfit. I'm not really interested in airline rewards or cash back, and I do have excellent credit. Is there any credit card out there you recommend? -Sarah S.

Amex TrueEarnings Card Review: Must-have for Costco Members

I used to give my wife a hard time for loving Costco so much. She would always come home from shopping trips with huge boxes of food we couldn't fit into our cupboards, enough toilet paper to last for a year, and a bunch of other random items she probably didn't walk in expecting buy. It was really annoying at the time. Then, I joined her on a shopping trip a few years back and my eyes were finally opened to the true glory of Costco. I still complain about going on weekends when I have to fight for a parking spot half a mile away from the entrance and body check old ladies in order to get to the best food samples, but come on. Where else can you buy a new flat screen television, patio furniture, a 20-pack of figs, and a rack of ribs all in one place at great prices...while getting your prescriptions filled? It's a beautiful thing. I'm a Costco lover myself now, and it doesn't end with the shopping experience either. I love the TrueEarnings card from Costco and Amex too. If you're already a Costco member, you need this card. It really is a must-have rewards credit card for all Costco members with good enough credit to get approved. Here's 5 reasons why you should consider it:

Ask Creditnet: Can I Consolidate Private Student Loans?

Dear Creditnet: I have a bunch of private student loans totaling about $25,000 in debt, and I've been diligently making payments on time for the past five years. I unfortunately lost my job six months ago and I'm worried about keeping up with all of my payments in the coming months. Is there some way I can consolidate all of these loans right away so I only have to worry about making one payment to one company? Would this allow me to lower my payments and save some money while also buying additional time to land a new job? - Jackie S. from TX

Can Medical Debt Hurt My Credit Scores?

YES! Unpaid medical debts can most definitely hurt your credit scores. Paying your medical bills on time and in full, however, will do nothing to improve them. Doesn't sound fair to the consumer now, does it? Well, it isn't, and lawmakers have even looked at legislation in the past which was written with the intention to wipe consumers' credit reports clean of "paid" medical debts that were delinquent at one point in time. The bill unfortunately never passed the House, so the issue remains unresolved.

Ask Creditnet: How Long Should I Use a Secured Credit Card?

Dear Creditnet: I got a secured credit card from Capital One over a year ago so I could finally begin rebuilding my bad credit. Since then, my FICO scores have risen from the low 500s to around 675, but I still don't have any other credit cards or loans in my name. My question is how much longer should I continue to use this secured credit card? Is it time to finally try to get a better card? -Ryan P. from MI

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