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

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:

IRS Offers New Penalty Relief for Unemployed & Self-Employed

Uncle Sam is usually a pretty unforgiving guy, but if you were unemployed in 2011 he might be willing to cut you some slack on your taxes this year. While Uncle Sam will of course want the full amount of taxes you owe at some point in time, you may be eligible to receive extra time to pay your 2011 tax bill without incurring additional failure-to-pay penalties (.5% to 1% of your unpaid taxes for each month up to 25 percent of your unpaid taxes). That could save you as much as $500 per month!

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