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

BillGuard Fights Unwanted Credit Card Charges

Have you ever looked at a charge on your credit card statement and thought "what the heck is that?" If so, you're certainly not alone. Double charges, hidden fees, unauthorized purchases, and zombie subscriptions that were canceled months ago can plague anyone's credit card bill.

Citi® Platinum Select® Card Review: Staying True to its Roots

[Update: This offer is no longer available, but Citi still features some of the very best credit card offers on the market today. Browse Citi credit card offers on Creditnet.com.]

Student Credit Cards: Do You Really Need a Co-Signer?

Amex Blue Card

The Credit Card Act of 2009 bans credit cards for young adults under the age of 21 unless they can show proof of sufficient income or secure a co-signer. Most students are aware of this change now that it's been a few years since the act was signed into law, but what's confusing is there are still plenty of student credit cards on the market that claim "no co-signer is required."

I was even confused the first time I saw this offered after the new rules took effect, so what's the deal? Are co-signatures really required or not for student credit cards?

Ask Creditnet: What's the Difference Between DOFD and DOLA?

debt calendar

Dear Creditnet: I'm trying to clean up my credit reports so I can get approved for a mortgage this year. While I've already removed a lot of errors, I still have a few old credit card debts I think are ready to drop off at any time.

What confuses me is how to determine exactly when these debts will fall off my credit reports. Should I be trying to determine the "date of first delinquency" or the "date of last activity", and can you explain the difference between the two terms?

United Mileage Plus Explorer Card Review

United and Continental merged both their reservation systems and websites over the weekend, which was essentially the last big step in their transition towards operating as one airline. As you might expect, there have been reports of some minor system glitches and delayed flights across the country today, but it appears that the transition has been an overall success for United. The successful merger of United and Continental also presented the perfect opportunity for Chase to launch a new version of its popular MileagePlus Card, which is now called the United MileagePlus Explorer Card. Here's a brief breakdown of the pros, cons, and my final take on how the United MileagePlus Explorer stacks up against its competition.

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