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

Credit isn't Debt!

It's time for a bit of a Friday rant. I apologize in advance, but I get so tired of listening to people talk about credit as if it's synonymous with debt. It happens to be one of my biggest pet peeves, and I've heard it way too much lately, so I think it's about time I vent some frustration and set the record straight. Begin rant.

Ask Creditnet: How Fast Should I Pay Off My Car Loan?

Dear Creditnet: I want to improve my credit scores, but the only type of credit I have at the moment is a car loan. I haven't used credit cards in years. I have the ability to pay off my car loan early and save money on interest, but should I keep making payments for the entire life of loan to help boost my credit scores? I know that making more payments over time is probably better for my scores, but the interest rate on this loan is really high.

Credit Card Deals for Valentine's Day Flowers

You can't get away with skipping out on flowers for Valentine's day. So don't even try to talk yourself into believing the dinner reservation you managed to land at the fanciest restaurant in town is a good enough effort this year. Sorry—it's not. Show up to meet your date without flowers of some kind in hand, and you're special someone will most likely feel a bit slighted. Retailers are obviously in on the secret too, which is why a dozen roses can run somewhere close to $100 around Valentine's Day. Fortunately, if you whip out the right kind of rewards credit card to make your last-minute flower purchase online, you can make sure your wallet feels a bit of Valentine's Day love this year as well.

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

Searching for the best balance transfer credit cards n the market in 2012? Don't overlook the new Chase Slate Card with No Balance Transfer Fee.

Citi ThankYou Card: Now with 0% Interest!

(Update: The below offers may have changed since time of publication. For complete offer details, check out Creditnet.com's updated list of available Citibank credit cards.)

I've been a long-time fan of the Citi ThankYou Cards. In fact, I've personally used the Premier version of the card since 2007 and have blogged many times about why the Citi ThankYou Premier card makes me smile. While the rewards program definitely isn't as lucrative as it was back in 2007, my wife and I still continue to rack up a lot of points on this card and redeem them for some pretty spectacular travel deals. For example, last year we booked $2,400 worth of tickets to the Cayman Islands for only 120,000 points through the ThankYou Network.

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