Joshua Heckathorn

Home / Author / Joshua Heckathorn
Joshua Heckathorn's picture
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.

Visit 's Google Plus profile for more.

Recent Blogs

Ask Creditnet: Can Paying Taxes Late Hurt My Credit Scores?

IRS tax extension

Dear Creditnet: I've procrastinated filing my income tax return and just found out from my CPA that I'll probably owe a lot more than expected this year.

I know I'll have to pay penalties and interest if I file an extension and fail to pay what I owe in full by the 17th, but can paying taxes late hurt my credit scores too? I want to buy a home later this year and simply can't risk hurting my credit.

New Chase Sapphire Preferred® Card: 40,000 Sign-up Bonus

I mentioned in a January blog post that the 50,000 point sign-up bonus for the Chase Sapphire Preferred Card would likely get the axe before the 2nd quarter of 2012. Well, it was axed as I expected, but the card offer that took it's place is surprisingly not as bad as I originally thought it would be.

Ask Creditnet: Is an 800+ Credit Score Worth the Extra Effort?

Dear Creditnet: I already have pretty good credit scores in the 790's, but it kind of bothers me that I can't seem to break the 800 mark. I've tried for years and I just seem to be stuck where I am. Is it really worth the extra effort to try and raise my credit scores above 800? - Megan from TN

FICO Scores Don't Care if You're Unemployed

FICO scores consider a lot of different personal information found in your credit reports, but employment history isn't one of them. In fact, according to FICO, "your salary, occupation, title, employer, date employed and employment history" are never considered by its credit-scoring model. It seems logical, right? Your employment history, income and job title don't necessarily indicate what type of credit risk you are, so why should they matter to FICO?

Citi Simplicity Credit Card Review

Citibank finally "got the memo"—credit card users hate fees! In response, they've given us the Citi Simplicity Card, which is definitely the best credit card on the market right now for those that have a severe aversion to fees, want a 0% interest credit card, and like to keep their finances simple. Here are my top 4 things to love about the new Citi Simplicity Card:

Pages