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

Chase Sapphire® Card Review: Flexible Rewards & No Annual Fee

It's becoming increasingly difficult these days to find no annual fee credit cards that offer flexible yet competitive rewards programs. Chase, however, with its launch of the Sapphire Card a few years ago, is doing its best to fill the void. And while this card probably isn't for the hardcore frequent flier who only cares about one thing - racking up serious miles to redeem for free travel - the Chase Sapphire® Card is definitely a great option for consumers with good credit who want to use their card for travel while retaining the ability to trade points in for cash, gift cards, or other merchandise.

Ask Creditnet: Is it Worth Paying Off Debt in Collections?

Dear Creditnet: What's the advantage of paying off credit card debt that's still within the statute of limitations but already charged off and sold to a collection agency? If it's not going to help improve my credit scores right away, I'm beginning to think I might be better off just keeping the cash in my own pocket. -Adam from VA

Chase Slate: No Balance Transfer Fee and 15 Months 0% Interest

0% interest credit card promotions with no balance transfer fees haven't come along too often during the past few years.  In fact, I think the last one we saw hit the market was for the Discover More card over a year ago. And while we don't know how much longer this latest deal from Chase will last, the good news is that the Chase Slate Card is still offering 0% interest on balance transfers for up to 15 months with no balance transfer fee.  This offer was launched towards the end of 2011 and has been quite popular among consumers since all the other balance transfer credit cards on the market right now are either charging 3% or 5% balance transfer fees.

5 Ways to Save Money with Credit Cards

Credit card issuers proved to us in 2011 that they are once again prepared to compete for the best customers by offering some amazing sign-up bonuses. Based on what we've seen so far this year, I think we can expect to see more of the same throughout 2012, but taking advantage of sign-up bonuses and earning rewards for the money you spend aren't the only ways you can profit from credit cards. Here are 5 ways credit cards can actually help keep more cash in your bank account this year:

Spring Clean Your Credit in 5 Easy Steps

Spring is a time of renewal and rejuvenation. For many, there's just something about the spring season that makes us want to declutter life and move forward with a fresh start. This might include scrubbing the entire house from floor to ceiling or finally getting around to cleaning out piles of junk from the old attic. But what about all the financial clutter that makes its way into our lives? Shouldn't it get some attention too?

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